By making blanket statements like "Over such a long time frame, interest rates are bound to fall." you are doing a disservice to the people of this portal.
The general information you share about fixed and floating rate loans is decent enough. But to advice people to go for floating without warning them that their payments can increase significantly if inflation rears its ugly head and interest rates shoot up, is irresponsible on your part.
You don't have to go too further back than 15 years to a time when interest rates (just deposit rates) in India were 15%. It is a completely futile exercise to predict long-term interest rates which you have done and it's absolute folly to suggest that interest rates are bound to fall in the long-term.
I suggest when you write an article that you stick to your forte of providing all pertaining facts relating to the subject and not engage in macro-economic forecasting.
As Warren Buffet once said: "the cemetery for seers has a huge section set aside for macro forecasters."
