Preferential repayment according to the formula: 4%/year × number of months enjoying advantagestreat x original debit balance (if all payments within 12 months); preferential repayment according to the formula: 4%/year x 12 months x the original debit balance(if after 12 months); charges owed before maturity: 1% × amount of repayment before maturity. After 36 months, free of the previous repayment date.
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