WHEN AND HOW MUST YOU PAY FEES AND CHARGES Sample Clauses

WHEN AND HOW MUST YOU PAY FEES AND CHARGES. When must you pay a charge? We can add a charge to your account on the date it becomes payable, or ask you pay it separately. This is set out in your letter of offer. If you’ve got sub-accounts, we’ll add the charge to whichever sub-account the charge relates to. If the charge doesn’t relate to any particular sub-account, then we can choose to add it to any particular sub-account. Unless described differently, charges are generally ‘payable’ on the following dates: • if the charge is used to pay another person, it will be the date by which we have paid that person; or • for any other charge, it will be the date by which we have finished the work that relates to the charge. We’ll tell you in your account statement after we’ve added a charge to your account, or ask you for it separately. When must you pay a fee? A fee will be payable on the date you have agreed to pay it in this agreement. If we agree to add a fee to your loan balance, we’ll add it on the date it becomes payable. If we haven’t agreed to add it to your loan balance, you must pay it separately when it becomes payable - if you don’t, we can then add it to your loan balance. What happens if we add a charge or fee to your loan balance? If we add a charge or fee to your loan account then, unless we tell you otherwise, we’ll charge interest on it from the day we add it to your loan account at the same interest rate as you pay on your loan (unless we have agreed otherwise, for example in your letter of offer). You’ll also have to pay a charge or fee that we add to your loan account on the same basis as you repay your loan, again unless we have agreed otherwise. This means that, when we next change your periodic payments, we’ll at the same time change them so that: • for a principal and interest home loan, they pay off the fee or charge (and everything else you owe) by the end of your home loan term; and • for an interest-only home loan, they pay the extra interest on the fee or charge. You must make sure that you repay all you owe at the end of your loan term and also cover any fees and charges that are added to your loan balance. Repaying your loan before the end of the home loan term
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