You can repay a loan by the:

• Linear method – the loan is repaid in equal parts and interest is calculated on the remaining loan balance, thus repayments to the bank gradually decrease each month
• Annuity method – equal amounts are repaid each month consisting of loan repayments and monthly interest

• In order to repay the loan early, the borrower must submit a written application at least three banking days before the requested repayment.
• In the event of early repayment, the Bank is entitled to compensation (fee for the early repayment of loan) for possible losses directly related to the repayment of the loan or part of it prior to the expiry of the Agreement. The compensation may not exceed 3% of the amount of the loan or part of it, repayable before the expiry of the Agreement. The compensation is calculated in accordance with the procedure stated by the supervisory authority. The specified compensation is not required when the recipient of the loan repays the loan or a part of it on the days of interest recalculation.

If you wish to change the terms of the credit agreement:

• Fill out the application for changing the terms of the credit agreement;
• Submit a signed application to the Bank.
  

Please note that the Bank may ask for additional documents, depending on your situation.