"In developing countries, that's going to be a longer process where you'll have perhaps business people,farmers, small business people, professionals who will be the first adopters - the doctors,government officials - and then it will slowly as you get more apps (applications) slowly permeate out probably."

VOA: standard.2010.06.25

So, that's a funny property of conventional mortgages -that the mortgage balance declines very slowly at first and then it falls rapidly when it comes to maturity.

这是普通贷款很有意思的特性,即贷款余额在起初减少的非常缓慢,但随着到期日的临近,便会加速递减

耶鲁公开课 - 金融市场课程节选

A peculiar property of this is that the mortgage balance falls slowly at first and then it gradually picks up; it's just a property of this formula.

其中一个特别的性质是,刚开始抵押贷款余额降得很慢,渐渐的,越降越快,这就是这个公式的性质

耶鲁公开课 - 金融市场课程节选