GMAT Reading Comprehension (RC) | QOTD #7 The ill-fated Home Construction Lending Act of 1901 (the HCLA)

According to the passage, one reason that the HCLA was expected to increase home construction in rural areas was that, under the HCLA, _______.

(A) interest rates werelower
(B) the borrower could make smaller payments
(C) insurance companies, not banks, loaned the money
(D) the borrower would not be able to default
(E) the net cost to the borrower was reduced


Not sure how B is the answer... No where in the passage it is mentioned that the borrower would pay smaller amount..
It is just mentioned