Option ARMs, as they are known, were typically made with little or no documentation and allowed borrowers to underpay in early years -- at the expense of much higher monthly payments later.

• 选择性可调整利率房贷最著名的一点就是没有或者几乎没有任何凭证，并且，贷款人在贷款的最初几年可以选择降低单次还款金额，只是之后的月还款额就要比正常高出很多。