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【单选题】
Which of the following statements is true about 15-year and 30-year fixed-payment mortgages?A.
Thirty-year mortgages are more popular than 15-year mortgages among homeowners who are refinancing.
B.
Borrowers pay more total interest over the life of a 15-year mortgage than on a 30-year loan, all else being equal.
C.
The remaining balance on a 30-year loan declines more quickly than an otherwise equivalent 15-year mortgage.
D.
Assuming they can afford the payments on both mortgages, borrowers usually should choose a 30-year mortgage over an otherwise identical 15-year loan if their discount rate (opportunity cost) exceeds the mortgage rate.
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