下面的图表将借款人还款模式拆分成四种情况，并按月进行跟踪。
The graph below splits the population into the four behaviors and plots the progression by month on book.
丹麦的房产抵押贷款模式和美国的相似，而不同于其它富裕国家。该模式使借款人在他们愿意的情况下很容易提前还款。
Danish mortgages-like those in America, but unlike mortgages in other rich countries-make it easy for borrowers to repay their loans early if they wish.
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