Hi there, I’ve recently started a more in-depth study on various housing loan and I’m very incline on obtaining a bank loan. However, I have many “options” (in comments) offered to me in terms of interest rates. Any advice?

1) 5 yr fixed y1-2.6%, Y2-5-1.8%
2) 2 yr fixed 1.5%
3) FHRA24+ 0.9% no lock in
4) FHRA24 + 0.6% for Uncompleted property
5) 3 year fixed 1.5%
6) 5 year fixed 1.5%
7 FHRA24 + 0.6% 2 yr lock-in

So to cut to the chase..what should I consider before committing? What are the downside of each?