ðə dˌɑːkjuːməntˈeɪʃən ˈɔfən pɹəvˈaɪdz ðæt ɪf ðə pˌiːˌaɪkˈeɪ fˈiːtʃɚɹ ɪz ˈæktᵻvˌeɪɾᵻd, ðɪ ˈɪntɹɛst ɹˈeɪt ɪz ɪŋkɹˈiːst baɪ twˈɛnti fˈaɪv, fˈɪfti, ɔːɹ sˈɛvənti fˈaɪv bˈeɪsɪs pˈɔɪnts.
The documentation often provides that if the PIK feature is activated, the interest rate is increased by 25, 50, or 75 basis points.