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1. You can contact Ping An Pratt & Whitney Customer Service for consultation. Ping An Pratt & Whitney Customer Service Tel: 10 100000. Log in to Ping An Pratt & Whitney Loan official website through the computer, find the order that needs to be returned in advance in the personal loan account, and return the remaining loan principal, interest and prepayment penalty according to the amount prompted by the system. Prepayment may result in some liquidated damages, and the prepayment policy of each loan product is different. This requires the lender to inquire about the relevant information of liquidated damages before prepayment. If prepayment is selected, the lender needs to check his loan balance and the original loan contract signed before. Interest varies according to different interest rates in business districts, basically between 4-5%, and there will be fluctuations in special business districts. Deposit the amount to be repaid into the current account of the loan card, and then repay it in an account.
2. Is there a handling fee for prepayment? When a lender applies for a loan, it will generally sign a loan contract with the bank, and there will be some relevant clauses of "prepayment fee", so there is a legal basis for the bank to charge prepayment fee. The bank may charge a certain fee. Therefore, when you want to repay the loan in advance, you must ask whether the bank has any handling fees and other issues. Whether to pay liquidated damages in advance is actually limited by years. If the loan contract of the lender is less than one year, it is best not to apply for prepayment, because the bank may charge one month's interest as liquidated damages according to the amount of prepayment by the lender and the specific loan interest rate. Therefore, when considering prepayment, you should choose the right time, otherwise you will spend an extra month's interest and waste some money.