When the Interest rate increases as per table below say in 2 years of loan, the full amount of loan will remain unpaid, in spite of paying all instalments all the years.
| Compounded Monthly | Repaid Weekly | ||
| Loan Period | |||
| 30 yrs | 25 yrs | 20 yrs | |
| Rate when agreed | Increased to | ||
| 5.00% | 6.47% | 7.04% | 7.95% |
| 5.50% | 6.84% | 7.40% | 8.29% |
| 6.00% | 7.23% | 7.77% | 8.64% |
| 6.50% | 7.62% | 8.14% | 8.99% |
| 7.00% | 8.02% | 8.52% | 9.35% |
| 7.50% | 8.43% | 8.91% | 9.71% |
| 8.00% | 8.85% | 9.31% | 10.09% |
| 8.50% | 9.27% | 9.71% | 10.47% |
| 9.00% | 9.71% | 10.12% | 10.85% |
| 9.50% | 10.15% | 10.54% | 11.25% |
| 10.00% | 10.59% | 10.96% | 11.64% |
| 10.50% | 11.04% | 11.39% | 12.05% |
| 11.00% | 11.50% | 11.83% | 12.46% |