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If you want a plan that puts you in full control, here's something you want to consider. Toyota FlexiPlan is based on variable rate computation that is pegged against Base Lending Rate (BLR).
With Toyota FlexiPlan, you can:
Reduce principal loan amount at any time to save cost
Enjoy interest savings as interest is computed based on reducing balance method
Enjoy flexibility to adjust monthly payment or tenure when BLR changes
Have the option to switch from variable rate to fixed rate at any time at no additional cost
Click on the image for an enlarged version on how to enjoy interest savings.