One of the things to take into account is the maturity date and your ability to clear this loan by the due date. From the perspective of my own organisation, we have some clients on IO agreements where it is clear that they will not be in a position to fully repay the loan by the due date. We have contacted all of these clients to advise them to tell us immediately if they feel that they will be unable to pay loans in full by the due date. For those who co-operate with us, we are flexible in both applying new pricing and terms in line with their ability to pay. Those who refuse to co-operate will not get the same level of flexibility when their loan term is up, if they cannot pay the funds due.