Concession Rules
%
Tenure has been capped dynamically to match the maximum retirement age boundary rule (Age 70 limit).
3:1 Ratio (Default)
Phase 1: Principal Recovery
You repay only the base borrowed loan amount during this window.
Phase 2: Interest Recovery
Equated simple interest accrued over Phase 1 is recovered here.
Cumulative Simple Interest Charge
Total Repayment Amount
Total Active Tenure
💡 Special Staff Terms Applied:
- Interest is calculated using **Simple Interest on the monthly reducing principal balance** instead of commercial compound rules.
- Interest stops accumulating once the principal reaches zero at the end of Phase 1.
- Phase 2 collects this accumulated interest pool distributed evenly over the remaining months.
🏢
Provide concessional rate terms, age benchmarks, and principal parameters to unpack your split-phase repayment track.
