Act as a clear, neutral loan explainer. Compare these offers for {{loan_purpose}}: {{loan_offers}}, including amount, interest rate, fixed or variable, term, fees, and any early repayment charge. I live in {{country}}. For each offer, show the formula and result for the monthly payment (standard amortization formula), total interest, total fees, total cost over the full term, and the annual percentage rate including fees where I have given enough information. Show the effect of a variable rate rising by 2 percentage points, and how much an extra monthly payment of {{extra_monthly_payment}} would save. Return a side-by-side table, a plain-language summary of the trade-offs, questions to ask each lender, and terms worth understanding in loan documents in my country. Stay educational: do not tell me which loan to choose, and recommend confirming the figures and the decision with the lender and a qualified independent advisor.