The average interest rate on renegotiated home loans fell in January to 2.81%, slightly below the rate on new mortgage contracts (2.84%) — a reversal driven by borrowers securing better terms in renegotiations. The fall was small (0.04 percentage points) but notable because renegotiation now, in some cases, produces a cheaper deal than taking a new loan. Homeowners considering refinancing should compare offers and ask banks about renegotiation options or switching to a new contract.