For families who rarely owe money, they will feel a little pressure to buy a house through loans. Paying back the mortgage in advance can also alleviate the psychological pressure, saving a lot of bank loan interest, which will be much easier, but many people are not sure whether they can pay back the mortgage in advance. Next, Bian Xiao will introduce mortgage to you.

Can the mortgage be repaid in advance?

The mortgage can be repaid in advance. According to the regulations of the bank, customers need to submit a written application one week to one month in advance to agree on the repayment date. Then, according to the agreed time, with the ID card and the loan contract signed with the bank, go to the bank to fill in the prepayment agreement and repayment application form, and deposit the amount to be repaid into the bank card with the deduction fee according to the requirements of the bank, and the bank will automatically deduct the money according to the time of the new agreement. The way of prepayment is not specific, and it can be paid off in full or in part. If the loan is partially repaid in advance, you can choose two ways: one is to reduce the monthly repayment amount and keep the repayment period unchanged; The other is to shorten the repayment period and keep the monthly repayment amount unchanged.

You must ask about the requirements for repaying the loan in advance.

1. If the borrower wants to pay off the bank loan in advance, the time for paying off the loan in advance must be more than half a year, and even some banks require more than one year to apply for early repayment.

2. Banks generally require borrowers to submit written or telephone applications 15 working days in advance. After receiving the borrower's application for prepayment, the bank will examine and approve it, and the examination and approval time will be about one month. In addition, banks have different requirements for repaying loans in advance. Some banks stipulate that early repayment of loans is an integer multiple of 6.5438+0 million, and some banks need to charge a certain penalty.

Bian Xiao's conclusion: The above content is about whether the mortgage can be repaid in advance. The related content of the introduction, I hope it will be helpful. I believe that after the above, you will know more about the prepayment of mortgage. If you have the demand for prepayment yourself, you can also refer to it.

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