Lending institutions often charge interest on subprime mortgages at a rate that is higher than a conventional mortgage in order to compensate themselves for carrying more risk.

贷款机构通常会对次级贷款收取高于常规贷款的利息以便补偿他们承担的更大的风险。

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As I am sure you know, interest rates are normally higher on loans for longer periods, because the conventional view is that for the lender, the risks of lending rise with the length of the loan.

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