You've got lucky and about to get married. You are looking for an apartment to buy. Your savings from your stipend is SR100,000 which you will pay as a down payment (initial) for the apartment. The apartment cost is $400,000 in cash. You would like to mortgage the apartment in 4 years. You have two options: Saudi Banks: takes 2% annual interest on the whole loan. US Banks: takes 6% annually on remaining principle. Compare the two options. From a sole economic point of view, which option shall you go with