Which of the following best describes 'teaser loans'?

1
These are loans advanced to successful start-ups and businesses with very high turnovers.
2
These are loans with very long tenures and fixed interest rates.
3
These are collateral-free loans advanced to customers with even low creditworthiness.
4
These are loans that charge comparatively lower rates of interest in the first few years after which the rates are adjusted to the market levels.

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