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| ^Post the 3 year period the loan will move to variable rate | ||||||||||||||||||||||||||||||
| Terms and Conditions for 3 years semi-fixed: | ||||||||||||||||||||||||||||||
| 1. Margin post 3 years would be communicated the customer in the offer letter | ||||||||||||||||||||||||||||||
| 2. For 3 years semi-fixed home loans 2.5% prepayment charges would apply for the fixed period. | ||||||||||||||||||||||||||||||