Hi,

This is my question :

I want to take $140 000 home loan for 30 years and i will pay $35 000 down payment. So i need to return $105 000 to the bank but my APR is 4.75. If i win the lottery and i want to return this $105 000 is this APR mean i need to return this money with the 4.75 APR or i will return only $105 000. The bank told me there is not penalty interest

Thanks