The Borrower may pay the loan in advance at any given time, in whole or in part, without penalties.

If a Borrower prepays a payment within the first 12 months of receiving the loan, then the investor will receive the proportionate share of the payment minus the 2% service charge, calculated only from the monthly payment corresponding to the current month.

For example, if the monthly payment for a loan is 75 EUR and the borrower pays in advance the amount of 1 500 EUR, then the investor will pay the service fee of 1.5 EUR (2% of 75 EUR).

If a borrower makes a prepayment after the first 12 months of receiving the loan, then the investor will receive a proportionate share of the payment minus the 2% service charge, perceived as a percentage of the total amount paid in advance.

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