The Central Bank also believes that the option of reducing the mortgage rate for a commission is only beneficial if the loan is repaid according to schedule for the entire term. “The main risk for the borrower is that in the event of early repayment of the loan, for example, under forced circumstances, default, the “commission” is not returned to him, but is recognized as the bank’s income. Due to this, the profitability of such a product for the bank increases sharply, which creates the wrong incentives. In particular, the bank may prefer the borrower’s default instead of restructuring the loan if the borrower is unable to repay the loan on time,” the Central Bank commented.