Lendai offers foreign investors three PPP options: 5-4-3-2-1, 3-2-1, and no PPP. 1. 5-4-3-2-1 – this is a dropdown penalty in case you want to repay your loan before the end of the term. The first year you pay 5% of the loan amount, the second year 4%, and so forth until the fifth year. From the sixth year and up there is no Pre-Payment Penalty. 2. 3-2-1 – this is a dropdown penalty in case you want to repay your loan before the end of the term. The first year you pay 3% of the loan amount, the second year 2%, and the third 1%. From the fourth year and up there is no Pre-Payment Penalty. 3. No PPP – a buyout option that allows you to repay the loan without a penalty.