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The Rule of 78s is a method of calculating interest charges on a loan. Under this rule, more of your monthly payment goes toward interest in the early months of the loan term. This means early repayments can significantly reduce the total interest paid.
On a 12-month loan, the first payment has 12/78 of the total interest, the second has 11/78, and so on. This is why early repayments can lead to substantial savings.
A payment holiday is a period where you don't have to make loan repayments. However, interest continues to accrue during this period, which means your future payments may increase.
During an interest-only period, you only pay the interest on your loan. While this reduces your monthly payments, it means you're not reducing the principal amount borrowed.
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