Considered by many to be a form of predatory lending, particularly if not adequately explained to a borrower, an artificially lowered mortgage rate (e.g., a teaser rate) or artificially capped monthly mortgage loan payments (e.g., to make the payments affordable) can result in the borrower(s) owing more at the end of the loan than he/she/it/they originally borrowed, even after years of monthly payments. This most commonly used real estate financial term for this type of financial manipulation is _____________________________ ___________________________________.