Mortgage lenders use one interest rate to calculate your monthly payment but advertise a different interest rate.
按揭贷款使用一个利率计算你的每月付款，但广告有不同的利率。
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.
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。
By extending the period of housing mortgage loan, the burden of monthly payment of housing buyers, the interest rate risk of monthly payment and of total interest payment increase.
提高住房抵押贷款的还款期限可以降低月还款额，从而减轻还款压力，但同时也增加了月还款额以及贷款期间利息支出总额的利率风险。
By extending the period of housing mortgage loan, the burden of monthly payment of housing buyers, the interest rate risk of monthly payment and of total interest payment increase.
提高住房抵押贷款的还款期限可以降低月还款额，从而减轻还款压力，但同时也增加了月还款额以及贷款期间利息支出总额的利率风险。
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