Wikipedia sayings about a $50,000 loan is to be amortized over 7 years, with annual end-of-year payments. which of these statements is correct?

1.Causes of the Great Recession

dramatically in the years leading up to the crisis. These products vary in complexity and the ease with which they can be valued on the books of financial institutions

https://en.wikipedia.org/wiki/Causes of the Great Recession

2.Government policies and the subprime mortgage crisis

factors which, they believe, indicate subprime lending. Those factors are negative loan amortization, interest-only payments, down-payments under 10

https://en.wikipedia.org/wiki/Government policies and the subprime mortgage crisis