What is the fine-grained topic of the following text: If you repay the agreement in full within the deferral period then there is no interest to pay (£29 early settlement fee applies), alternatively after 12 months your repayments will begin over 120 months – please note interest will have accrued from the start of the agreement and will be added to your loan. Only return the topic.
Payment terms and conditions for a deferred loan agreement