Conclusion In conclusion, it is worth reiterating that the most important consideration in preventing future emerging-market financial crises is establishing sound domestic policies and robust financial institutions in individual economies. No reforms of the international financial architecture can, by themselves, overcome deficiencies in these critical areas.
They are sometimes called "affordability products" because the low payment can make it possible for some households to qualify for higherpriced homes that they could not afford using traditional thirty-year fixed-rate mortgages.