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The Rule of 78 is a technique used by some lenders to work out curiosity charges over a loan. The Rule of seventy eight requires the borrower to pay a greater part of fascination in the earlier Element of a loan cycle, which decreases the prospective price savings for your borrower in paying out off their loan.
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The Rule of 78 allocates pre-calculated fascination expenses that favor the lender over the borrower for short-time period loans or if a loan is paid off early.