Lenders know this, so they generally are willing to accept a lower interest rate payment on the loan knowing that the borrower has a big incentive to repay it. (debt.org)
This means a fixed rate payment over 10 years. (creditdonkey.com)
Before going any further I'll note that it isn't just logical deduction that led to my conclusion regarding the purpose of interest - rate payments on bank reserves. (tsi-blog.com)