<prompt> Phapano ke efe lipakeng tsa sekhahla se feto-fetohang le sekoloto se tsitsitseng?nan  <response>: Instruction in English: What is the difference between a variable rate and a fixed rate loan? . Response in English: A variable rate loan, also known as floating or adjustable rate loan, refers to a loan where the interest rate charged on the borrowed amount fluctuates over the life of the loan. This interest rate charges on the outstanding loan balance is typically based on a benchmark like the prime rate or federal funds rate, plus or minus a margin.On the other hand, a fixed rate loan refers to a loan where the interest rate charged on the borrowed amount remains the same throughout the entire term of the loan. This means that the monthly payments for principal and interest do not change, making it easier for a borrower to budget.The key difference between both is that while the interest rate on a variable rate loan can go up or down as market interest rates change, the interest rate for a fixed rate loan does not change. . Response in Sesotho: Kalimo ea sekhahla se feto-fetohang, e tsejoang hape e le kalimo ea sekhahla se phaphametseng kapa se feto-fetohang, e bua ka kalimo moo sekhahla sa tsoala se lefisoang cheleteng e alimiloeng se feto-fetohang bophelong ba kalimo. Litefiso tsa sekgahla sena sa tswala ho balanse ya kadimo e salletseng hangata di itshetlehile hodima tekanyo e tshwanang le sekgahla sa pele kapa sekgahla sa lichelete tsa mmuso, mmoho kapa ho tloswa margin. Ka lehlakoreng le leng, mokoloto oa sekhahla o tsitsitseng o bolela kalimo moo sekhahla sa tsoala se lefisoang cheleteng e alimiloeng se ntse se tšoana nakong eohle ea kalimo. Sena se bolela hore litefello tsa khoeli le khoeli tsa mosuoe-hlooho le tsoala ha li fetohe, ho nolofaletsa motho ea alimang ho etsa tekanyetso ea chelete. Phapang e ka sehloohong pakeng tsa bobeli ke hore le hoja sekhahla sa tsoala ka mokoloto oa sekhahla se feto-fetohang se ka nyoloha kapa sa theoha ha litefiso tsa maraka li fetoha, sekhahla sa tsoala bakeng sa mokoloto o tsitsitseng ha se fetohe. 