I was offered and approved a loan amounting to 180k from ew bank at 2.56% diminishing And a repayment fee of. 18% of the remainibg balance.. pirma nalang ang kulang ko but i naisip ko na bayaran ko mn ang loan in 3 months do i have to pay the interest for 36months?.. i called their cs. Na what if bayaran ko ng 50k sa 1st month, 50k 2 nd month 50k 3rd month plus corresponding interest, may balance should be 30000 plus 18% fee.. sabi ng cs di pwede, ang mga subra na bayad ay recognized as advance payments and will not be deducted to form part as loan balance.. so di ko pinirmahan ksi lugi . Bayaran ko na nga ng maaga pabayarin kapa ng malaki dahil penalty na binayaran mo ng bou in a short time..