一份合同中的两个不同的利率约定购买商品房的借款协议中,关于利息的条款这样规定,明确约定一个当前的法定利率,同时又约定在购房者的还贷期间,银行根据央行有关利息的规定进行年度调整。同一份合同中,出现一个静态的合同利率约定和一个动态的法定利率约定是具有矛盾性的。静态的利率条款效力是在当时的法定利率基础上建立的当事人意思自治,而动态利率条款的依据则是两个央行部门 A contract in the two different interest rates agreed to buy real estate loan agreement, the terms of the provisions of this provision, a clear stipulation of a statutory interest rate, and agreed at the same time the repayment of home loans, the bank interest rates in accordance with the central bank Provisions for annual adjustments. In the same contract, there is a contradiction between the emergence of a static contract interest rate agreement and a dynamic legal interest rate agreement. The effect of the static interest rate clause is the autonomy of the parties established on the basis of the prevailing statutory interest rate. The basis of the dynamic interest rate clause is that the two central bank departments