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Hybrid

Hybrid

The loan period is for 15-20 years with fixed interest rate only for the first three years and then after will be adjusted annually for the remaining 12-17 years period, respectively. Repayment of principal and interest during the first three years and then after shall be made in line with the established repayment program say on monthly or quarterly bases, and the borrower is required to pay principal and interest during this loan period. The interest rate is fixed only for the first three years and the interest rate, and the corresponding repayment will be adjusted annually for the remaining 12-17 years respectively. The full interest and principal are amortized over the remaining 12-17 years period respectively.

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