The timing of this information must be communicated and the nature of the notification is indicated in the clause. The term `down payment` means a refund which goes beyond the amount of the EMI set out in the agreement. As a general rule, these excess amounts are adjusted at the time of payment in relation to the nominal outstanding amount. The amount of the advance can only be a fraction of the amount of the credit or the total amount. The clause defines the financial impact of such advances to be paid. . . .