I took loan from SBI under SBI maxgain option. At present I am paying 1% additional over and above base rate. My effective rate of interest is 11%. I have received a letter from bank stating that if I pay 0.56% conversion charges then bank will convert my loan to lower charges whereby the spread will be 0.30% and my effective rate of interest will come down to 10.30%. I know the base rate can be changed anytime. Will this spread remain same during the tenure of loan?