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Pernod anticipations: Turkize obeyed SHOPPING SUPER MALL Would you like a side of fries with your negatively amortizing home loan? At the end of the interest-only period, the payment is increased to $730.93. It is larger than the payment on the loan that was fully-amortizing from the beginning because it must pay off the loan over 20 years rather than 30. Note that the example assumes that the interest rate is fixed over the entire life of these loans.