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All shares have equal voting, dividend and liquidation rights. As with all law and court decisions there room for debate and opinion as to the interpretation of the law. The advice given here is only my opinion and should not be used as your sole source of information.
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To prevent this practice and protect their commerce, many home loan companies apply prepayment penalties on home loans. Designate a percent of your paycheck to be put into savings before you even get the chance to spend it. According to the bank's Web site, the Home Rebate card lets customers reduce $1 of principal on their mortgages for every $100 they spend, with automatic reductions in $25 increments.
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