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.
Las llamadas “tasas señuelo” permitían pagos aun más bajos durante los primeros años. Eran señuelos porque partían del hecho de que muchos deudores no eran sofisticados financieramente, y no entendían en realidad en lo que se estaban metiendo.