是这样的，最近刚还了一笔mortgage overpayment，还了一年内可以还overpayment的上限10%. 然后银行就把每月还款调低，但年期不变。这样不化算啊！所以就去online chat 问能否选择改年期。很难进去online chat, 这几天进了两次，刚好也是同一职员。
然后说，我可以set regular monthly payment, 这样就可以减年期，只要少于月款3倍都可以，不会有罚款。
It depends on how much the payment is.
Anything that is less than 3x your contractual monthly payment will just reduce your term
. Anything that is more than 3x your contractual monthly payment will mean your monthly payments are recalculated
you can make payments of up to 3x your contractual amount with no penalty
Anything over 3x you would pay penalties on as you have all ready reached your limit, but there is no limit to the payments you make that are under 3x your monthly payment
The allowance is for payments that are over 3x your monthly payment, so there is an allowance on lump sum amounts over that but there is no allowance on payments that are less than 3x