安德鲁·赫克当初并不认为2019年办理可调利率房贷会有什么大风险。
Andrew Hecker never believed taking out an adjustable-rate mortgage in 2019 would be much of a risk.
他的贷款机构给他的初始利率比当时传统30年期房贷4%的利率低约1.25个百分点。他当时盘算着，在七年后利率重新调整之前，自己就会搬离位于明尼阿波利斯地区的家。
His lender offered him an initial rate about 1.25 percentage points below the 4% rate for a traditional 30-year mortgage at the time. He figured he would move from his home in the Minneapolis area before his rate readjusted in seven years.