en When selecting a lender, you may have a choice between variable-rate and fixed-rate loans. Whi of the following would make you lean toward a 4.2% fixed-rate loan, rather than a 3.125% variable- rate loan. O terms of the variable-rate loan only allow for infrequent, capped-rate increases O expectation that you will sell the asset within a few years and pay off the loan balance Obelief that interest rates will continue to go lower in coming years O greater certainty of knowing how much you will have to pay each period throughout the duration of the loan