As another commenter said, no choice. That's just how it works. Conversely, we're confused why banks in the US are willing to do a 30-year fix in the first plac

As another commenter said, no choice. That's just how it works. Conversely, we're confused why banks in the US are willing to do a 30-year fix in the first place. That's an awfully long time into an unknown future to commit to anything, especially in an industry so conservative and ruthless as banking.