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.
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.