The expected cost of borrowing depends on which of the following provisions?

Question

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The expected cost of borrowing depends on all of the provisions listed, as each provision affects the interest rate and total cost of the loan. The frequency of payment adjustments can impact the borrower's monthly payment, while caps and floors can limit how much the interest rate or payment can increase or decrease. The spread over the chosen index also affects the interest rate and total cost of the loan. Therefore, all of these provisions are important to consider when evaluating the expected cost of borrowing.

The Expected Cost of Borrowing Depends on Which of the Following