April 2016 is the earliest repayments will begin for full-time and part-time students.
For investors, the early repayment of the 11 percent mortgage created problems.
But fund officials said the rates would rise with the size of a loan and be structured to encourage early repayment.
This competitive deal is at the top of the mortgage best buy tables and does not charge for early repayments.
Last year, the two Asian countries made early repayments to the bank of more than $1 billion.
Research shows that the majority of people making early repayments were low-earners aged around 25 or under, the study warned.
There may also be a special class which absorbs early repayments in the underlying assets.
Since any early repayment is passed on to this class, it means the other investors have a more predictable cash flow.
The first has to do with the entitlement to early repayment.
The right to earlier repayment must also be improved.
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