cyclical changes and time them interest rates have moved from the seven percent levels to the 12 percent levels over just a few years this upward movement will be reversed once the inflation rate cools liquidity in the system and competition among banks will bring rates down again over time but the costs of property will not remain the same over the same period of time so while the interest rate may be lower in the future the cost of property would have increased how this works for buyers is difficult to predict invariably over the long term the increase in cost of property will negate possible gains from reduction in overall cost of loan