tə kˈælkjʊlˌeɪt ðɪ ˈænjuːəl pɚsˈɛntɪdʒ ɹˈeɪts ˈæpɹə mˈɛni mˈoːɹ vˈɛɹɪəbəlz nˈiːdᵻd təbi ˈædᵻd, ɪŋklˈuːdɪŋ: ðə stˈɑːɹɾɪŋ ˈɪntɹɛst ɹˈeɪt; ðə lˈɛŋθ ʌv tˈaɪm æt ðæt ɹˈeɪt; ðə ɹᵻkˈæst; ðə pˈeɪmənt tʃˈeɪndʒ; ðɪ ˈɪndɛks; ðə mˈɑːɹdʒɪnz; ðə pˌiəɹɪˈɑːdɪk ˈɪntɹɛst tʃˈeɪndʒ kˈæp; ðə pˈeɪmənt kˈæp; lˈaɪftaɪm kˈæp; ðə nˈɛɡətˌɪv ɐmˌɔːɹɾᵻzˈeɪʃən kˈæp; ænd ˈʌðɚz.
To calculate the annual percentage rates (APR) many more variables needed to be added, including: the starting interest rate; the length of time at that rate; the recast; the payment change; the index; the margins; the periodic interest change cap; the payment cap; lifetime cap; the negative amortization cap; and others.