When you first bought the house they told you what the mortgage payment was and they're fixing that forever, well for thirty years.

最初你买这套房子的时候,他们已经告诉你每月偿还额是多少,在未来30年里这是固定的

耶鲁公开课 - 金融市场课程节选

But if most people who are good borrowers, who know what they're doing, want these, they want a conventional thirty-year mortgage because it will fix a mortgage payment for the rest of the thirty years and you have nothing to worry about.

但是如果大多数人是优质借款人,他们知道自己在做什么,他们会选择普通30年期抵押贷款,因为在剩余的30年时间里,抵押贷款的偿付是固定的,你不需要为它担心

耶鲁公开课 - 金融市场课程节选