The article explores how different types of mortgage loans impact people's decisions on buying homes. By creating a model, the researchers found that the structure of the loan significantly influences whether someone chooses to buy a house and how they finance it. Factors like age, income, and inflation play a role in determining the best mortgage option. Loans with low initial payments can be a good alternative to those with no down payment, especially when inflation is low. Changes in mortgage structures can affect how risks are shared among homeowners.