Which of the following would you expect to have the lowest monthly payments during the term of the loan? a. fixed-rate, amortizing conventional loan with no prepayment penalty b. An islamic-type financial instrument, or add-on loan C. interest-only loan d. fixed-rate, amortizing conventional loan with a 2% prepayment penalty e. adjustable-rate loan QUESTION 18 Which type of 10-year loan would be the most likely to have monthly payments that are different from year to year? an Islamic-type financial instrument, or add-on loan reverse annuity mortgage pure discount loan conventional fixed-rate, amortizing mortgage adjustable-rate mortgage