因为长期借贷借款者需要承担更多的利息，也就是使得借贷总成本增加，这些又使得业主在长期借贷中更能承受偿还压力的增加。
Longer terms make ownership affordable only by increasing the total cost of the loan, because the borrower pays interest for a longer period.
从一开始，借款人就了解了借贷程序：根据固定的利率和贷款时间，借款人每月需要按规定支付本金和利息。
The original principal is disbursed to the borrower at inception, and there is a scheduled monthly payment of principal and interest, which is based on a fixed interest rate and duration.
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