Compounding works by paying interest on interest. 複利利息按一年本息轉入下年利息的方式運作。
Subprimeborrowers were attracted by teaser loans, which offered low interest rates inthe first two years, jumping sharply over the rest of the loan. 次貸借款人為大傷腦筋的貸款所吸引，在前兩年利息率低，在貸款的其餘時間急劇跳升。
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