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Author Message   Kubang Celebrity Bewarse Username: Kubang Post Number: 33643 Registered: 09-2011 Posted From: 161.141.1.1 Rating: N/A Votes: 0 Posted on Thursday, March 16, 2017 - 4:41 pm:    konchem options clear ga chepthe I can try to help you with the math. ee ARM language naaku ardham kaadu, its US specific. bottom line in my view: take the lowest period for total amortization (of course with in your affordability) and pay off the loan sooner regardless of interest rates. that way total (principle + interest) amount out of your pocket is lesser compared to any other model. Ignorance is bliss