loans with fixed rates in the beginning and convert the same into floating rates later pti reported there is a lack of clarity on how the bank can go ahead with the fixed rate products after the rbis new regulations on floating rateskumar also said that some home buyers may want their loan rates to be fixed for such buyers it can offer a fixedfloating product wherein the rates are locked in for an initial period of say five to ten years and then turns floating he addedwith october 1 just around the corner we will have to wait and watch to see what kind of external benchmark linked loan product the countrys largest lender will come out with now