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。
她给我的回答像复读机…没说不可以，就是重复说因为我还多过每月还款额的三倍，所以这样。
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。
我有再三跟她确定。
以她的说法，根本不用理会一年10%上限overpayment. 可以尽情返款。想请教大家，这可能吗？
因为如果她说错了，我再overpayment就要罚好几千镑，所以不得不搞清。谢谢大家！
她的原话：
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