Takzvané „akční sazby“ umožňovaly po dobu prvních několika let ještě nižší splátky: byly pouhými lákadly, protože využívaly faktu, že řada dlužníků nemá dostatečné finanční znalosti a v podstatě nechápe, k čemu se zavazuje.
What were called “teaser rates” allowed even lower payments for the first few years: they were teasers, because they played off the fact that many borrowers were not financially sophisticated, and didn’t really understand what they were getting into.