Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to compare commercial mortgages [title] Investigate interest rates. [step] The first and most obvious condition of a loan for most borrowers is the interest rate. This is the amount of interest that the bank will charge to lend you money.

Ending1: Interest rates change as you accrue credit, so you might want to use an interest rate calculator to help you find out exactly how much interest you can afford to spend on the loan. [substeps] Percentage of the interest can be calculated on the basis of the decimal point. Ending2: The interest can be considered as the " cost " of getting the loan. A higher interest rate, assuming that all other terms are equal, will cost your business more money. Ending3: Interest rates vary depending on the type of loan the loan is. Some lenders may charge by interest, while others will charge by interest rate (fixed interest). Ending4: You need to find out how much interest there is in the loan before proceeding, since the interest rate is usually a percentage of the total loan interest that the borrower has already paid. [substeps] For example, many lenders have a fixed rate if they've written a payment plan.

Answer format: ending1/ending2/ending3/ending4