标记可用来根据用户选择的付款类型进行分支选择。

A tag can be used to branch on the payment type the user selects.

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要计算抵押贷款的偿还金额，利率、本金和付款额应分别选用哪种类型？解释你选择的理由。

To calculate a mortgage payment, what types would you use for the rate, principal, and payment? Explain why you selected each type.

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在房地美的选择付款可调利率抵押贷款中，这一比例达到了11.5%。这一风险较高的贷款类型允许贷款者前几年只需支付最少还款。

That figure is 11.5% for Freddie's option adjustable-rate mortgages, or option ARMs, a risky type of loan that allowed borrowers to make only minimal payments in the early years.

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