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Smaller loan terms need you to spend a lot less into the interest, though your own monthly installments is high Say you have a 15-year, $200,000 mortgage at 3.5% (the same rate as above). You’d pay just $57,358 in total interest. At a 5% interest rate, you’d pay $84,686 in interest over the life of … Smaller loan terms need you to spend a lot less into the interest, though your own monthly installments is high

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