Indiana Code Title 28. Financial Institutions § 28-15-11-15

(1) the amount of the scheduled monthly payment at the beginning of the loan may be insufficient to fully amortize the loan;  and

(2) during a period of not more than ten (10) years beginning with the closing date of the loan, the scheduled payments must rise sufficiently to amortize the loan at the then existing interest rate and principal balance over the then remaining loan term, and thereafter the monthly payments must be adjusted every five (5) years to a level sufficient to fully amortize the loan.