Hacker News Reader

They are normal basically everywhere but USA I think.

They were normal for a long time in the US, took a backseat from 2009-2014 or so and are back again.

I'm really shocked whenever I hear someone has an ARM again. 2008 wasn't that long ago!

2000 wasn't that long ago either, but I still see people using 2 digit years.

I have never seen one in France. Not for mortgage.