easy · Debt Capital Markets credit-ratings-risk

What is the primary difference between a voluntary prepayment and a mandatory prepayment?

  1. Voluntary prepayments must always be remitted at a stated contractual call premium, whereas mandatory prepayments are executed at par.
  2. Mandatory prepayments apply only to the accrued interest component, while voluntary prepayments are confined to reducing outstanding principal.
  3. Mandatory prepayments are required by the credit agreement upon specific events, while voluntary prepayments are at the borrower's discretion.
  4. Only voluntary prepayments genuinely reduce the aggregate principal indebtedness that remains outstanding on the borrower's consolidated balance sheet.

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