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the principal balance of the Mortgage Loan.", "title": "Negative Amortization", "id": "negative-amortization", "examples": ["<strong>Negative Amortization</strong> Numeric \u2013 Integer 12 999 Negatively Amortizing ARMs Only &gt;= 0 to &lt;=120 61 Subsequent Minimum Payment Reset Period The maximum number of months (after the initial period) a borrower can pay the minimum payment before a new minimum payment is determined after the initial period.", "<strong>Negative Amortization</strong> Numeric \u2013 Integer 12 999 Negatively Amortizing ARMs Only &gt;= 0 to &lt;=120 62 Option ARM Indicator An indicator of whether the loan is an Option ARM.", "<strong>Negative Amortization</strong> Numeric \u2013 Decimal 0.075 9.999999 Negatively Amortizing ARMs Only &gt;= 0 and &lt; 1 60 Initial Minimum Payment Reset Period The maximum number of months a borrower can initially pay the minimum payment before a new minimum payment is determined.", "<strong>Negative Amortization</strong> Numeric \u2013 Integer 1 99 ARMs Only See Coding 0 = No 1 = Yes 99 = Unknown 63 Options at Recast The means of computing the lowest monthly payment available to the borrower after recast.", "<strong>Negative Amortization</strong> Numeric \u2013 Decimal 250 9(10).99 Option ARMs Only &gt;= 0 66 Prepayment Penalty Calculation A description of how the prepayment penalty would be calculated during each phase of the prepayment penalty term.", "To the extent any Mortgage Loan provides for <strong>negative amortization</strong>, such as a GPM or GPARM Loan, the Servicer must assure that the Unpaid Principal Balance of such Mortgage Loan never exceeds the related Maximum <strong>Negative Amortization</strong> Amount, and that the related Monthly Payment is recast as provided for in the Mortgage Note such that the balance fully amortizes within the remaining term of such Mortgage Loan.", "The interest payment on the Deferred Interest PC in that month shall be (i) 1/12th of the PC Coupon multiplied by 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