ðɪs ˈɔːlsoʊ bˈɛnɪfˌɪts bˈɑːɹoʊɚz, æz ðeɪ mˈeɪ ˈɑːpt fɔːɹ ˈɜːli pˈeɪmənt ʌv ˈɪntɹɛst ɪn kˈæʃ, ðɛɹbˈaɪ mˈɪnɪmˌaɪzɪŋ ðə kɑːmpˈaʊndᵻd pˈeɪaʊt æt mətʃˈʊɹɹᵻɾi.
This also benefits borrowers, as they may opt for early payment of interest in cash, thereby minimizing the compounded payout at maturity.