@ akbargr8,,,,,,about alfalah's prepayment penalty,,,,,when u go for payment they give u a total advance payment plan,,,,,in which they mention separately the remaining principal amount,,,,,,,,the first year insurance to be subtracted from the principal amount,,,,,,and finally the prepayment penalty
now if ur history with the bank has been good i-e none of ur checks have been dishonoured during the finance tenure ,,,they will remove that penalty
so i think they are a very friendly bank ,,,,