How do I arrange an extra principal payment on my US home account?

Applies to: United States.

Request the extra principal payment through Customer Care and obtain the payment instructions for your US home account before sending funds. Have your proposed amount and date ready, and say whether you want a one-time payment or a recurring addition.

Ask the team to confirm:

• The agreed amount and collection date, including any applicable terms or charges.
• How the extra amount will be identified and applied to principal.
• What regular payment will still be collected and which payment instructions to follow.

After processing, check that the extra payment appears in the relevant Ijara and investor records and that the balance reflects its application. If the records differ, request a reconciliation.

If your goal is also to change the required monthly payment through a recast, or to remove mortgage insurance (PMI), ask for that review separately. Confirm whether the updated balance has been recorded before relying on it for a further request. An extra-payment request does not confirm approval of a recast or PMI removal.

For full repayment of the account, request payoff instructions instead of treating it as an ordinary extra payment.