prepayment是什么<紧急求助

creamy2

我刚刚申请我的房屋贷款了，我拿到了letter offer,是 cimb bank的

letter offer 上面写着
prepayment
prepayment of any amount over and above the instalment amount is allowed at any time after first drawdown.
such prepayment [ including advance payment of instalments ]  will not  be subject to any penalty charges provided the account is not closed.

a prepayment penalty charge of 3 percent on the approved loan amount will be imposed if the loan account is closed following full settlement of loan during the lock in period of 5 yrs from date of first drawdown,

因为之前有supex的agent找过我，所以我要问的是，因为这个banker告诉我每个月多还可以做supex所说的partial prepayment，而且不需要任何通知，而且所多还的都是扣母钱，而且节省年份，而不是advance payment.

各位高手们，你们帮我看看真的能够节省吗

[ 本帖最后由 creamy2 于 4-11-2008 03:20 AM 编辑 ]

投資小子

只要五年内不偿还完你的贷款,你可以随意偿还喜欢的数目而无需预先通知银行.每月如果多还一些,应该能够节省利息吧.