Of course. You'll overpay, just like you would with interest from a mortgage. But you do get something in return for that overpayment. Whereas with a loan you m

Of course. You'll overpay, just like you would with interest from a mortgage. But you do get something in return for that overpayment. Whereas with a loan you merely get "time value" for your over-payment in the form of interest, here you are also buying the optionality of moving around. That option has value, and it's appropriate for them to charge some premium for that.