the borrower may at any time prepay the loan in full (but not in part) by paying to the lender an amount equal to the principal amount of the loan which was outstanding on the immediately preceding repayment date plus interest on that amount calculated at 24% per annum or any other rate in accordance with clause 3(b) for the number of days in the period from and including the immediately preceding repayment date up to but excluding the date of prepayment and on the basis of a years of three hundred and sixty days.
3b) if, in the reasonable opinion of the lender, the cost of the lender of maintaining its funding obligations under this agreement would be in excess of the rate of 24% per annum, the lender may increase the interest rate payable on the loan by serving written notice (which will form part of this agreement) on the borrower stating the new interest rate payable on the loan expressed as a rate percent per annum. the difference between the new interest ate payable on the loan and the rate of 24% per annum should reflect the lender's increased cost of funding. such change in interest rate will take effect on the date specified in the notice.
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mouth:蕉媽解釋比你聽,你明就好,
無提手續費，只係話清償本金加24%利息就可贖契，3b話如果銀行有合理原因相信佢借錢的成本上升，銀行有權提高利息個利率。你要睇吓其他條款有無講手續費呀
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