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Oh.... i see, sorry , I didn't address that point. The loan remains, just switches to a different package. You have a negotiated rate of 0.75% which is good and above the normal discount. However, this does not change the original contract which will show no early repayment after 3 years...

Agree, the fee structure is confusing , but unfortunately it was due to new products coming on board which necessitated different pricing structures over the years. In your case, I will make an assumption that the loan was new when locked in 3 years ago. Your early repayment fee no longer...

Thanks Rolf.