Gadzira shanduro yakaoma zvikuru yemutsara uyu Sarudzo ARMs dzakakurumbira nokuti dzinowanzotengeswa nemari shoma shoma (kazhinji yakaderera se1%) iyo inoshandura mubhadharo shoma shoma yegore rokutanga reARM.
Zvechokwadi, shanduro yakaoma zvikuru yemutsara uyu ndeyekuti "Option ARMs dzakakurumbira nokuti dzinowanzopiwa nemari yakaderera zvikuru yekutanga (iyo inonzi 'teaser rate') uye mari shoma shoma, iyo inobvumira vakweretesi kuti vakwanise kuwana chikwereti chakakura zvikuru kupfuura zvaizogoneka".