69. The repayment agreement must determine the amount of the payments agreed on to repay the principal and interest or the method agreed on to determine such an amount.
The rate of interest to be applied is fixed at the end of the full exemption period.
The rate of interest is again fixed at the end of the partial exemption period. From that date, the rate of interest is a variable rate that fluctuates as provided in section 73.
The borrower and the financial institution may, at any time, agree on other repayment terms and conditions.