Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to compare loan rates [title] Consider fixed versus adjustable interest rates for a loan. [step] Financial experts report that many lenders in recent years have pushed adjustable interest rates without really telling people what they are. A borrower should know whether their loan includes a fixed or adjustable interest rate.

Ending1: A fixed interest rate does not necessarily have to be fixed, but it should not be removed from the loan to lower the interest rate, as it depreciate in interest. [substeps] You should try to buy a fixed loan for a lower rate, such as 30% or 25 %. Ending2: [substeps] Fixed interest rates are recorded by a number of different sources. The pinwheel accuracy of their accounts is another important factor. Ending3: A fixed interest rate rate is an amount you can borrow and then purchase with interest, typically for less than $100. [substeps] A fixed interest rate is an amount you can buy and then purchase at the same time without needing to pay interest. Ending4: [substeps] Understand the benefits and disadvantages of adjustable interest rates. With a fixed interest rate, the borrower knows what interest they will pay on a loan over the entire term of the loan.

Answer format: ending1/ending2/ending3/ending4