# Rebalancing Although a user locks in a borrow interest rate when stable borrowing, under certain conditions, it may be necessary to rebalance their borrow interest rate. Rebalancing means that the user’s stable borrow interest rate is updated to the pool’s current stable interest rate $$i\_{sb\_t}$$ To rebalance the stable rate down, the user’s loan stable rate $$i\_{sb\_{old}}$$ needs to be greater than the current stable rate $$i\_{sb\_t}$$ plus a delta, for instance, ∆=20%. $$i\_{sb\_{old}}$$≥ $$i\_{sb\_t}$$\*(1+∆) To rebalance the stable rate up, two conditions have to be met at the same time. The first requires the utilization ratio to be greater than or equal to a given threshold, for instance, $$U\_{RU}=95%$$%. The second requires the deposit interest rate to be less than or equal to a given percentage of the max variable interest rate, for instance, $$DIR\_{RU}=25$$%. $$ U\_t \geqslant U\_{RU} $$ $$ i\_{d\_t} \leqslant DIR\_{RU}(R\_{v0}+R\_{v1}+R\_{v2}) $$ --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.folks.finance/architecture/rebalancing.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.