The provisions of the Postal Savings Bank on liquidated damages for early repayment of loans are as follows:

If the overdue repayment of the loan principal and interest is less than 65,438+02 months from the actual loan date, the lender shall be paid a penalty of 65,438+0% of the loan principal in advance; If the principal and interest of the loan are repaid continuously and on time for more than 12 months (inclusive) from the actual lending date, there is no need to pay liquidated damages. If part of the loan is repaid in advance, the minimum repayment application amount is 654.38 yuan+0,000 yuan, and it should be an integer multiple of 654.38 yuan+0,000 yuan.

The prepayment process is as follows:

1. First check the requirements for prepayment in the loan contract, and pay attention to whether there is a certain penalty for prepayment;

2. Call the loan bank in advance to inquire about the application time and minimum repayment amount of the loan and other materials that need to be prepared;

3. According to the requirements of the bank, personally apply to the relevant departments for early repayment;

4. The borrower carries the relevant documents to the borrowing bank to go through the formalities related to prepayment;

5. Submit the prepayment application form and deposit the prepayment in the counter.

There is no limit to the number of times the bank can repay the mortgage in advance, and it can be paid off in whole or in part. It's just that the starting amount of each loan repayment is different from bank to bank. Some regulations are 1 1,000 yuan or multiples of 1 1,000 yuan. Some banks stipulate that 1000 yuan or more can partially repay the loan in advance. Please consult the bank in detail before repaying the loan in advance.

It is worth mentioning that the prepayment application form is irrevocable once confirmed by the borrower's bank. As a supplementary clause of the loan contract, it has the same legal effect as the loan contract. If the loan purchaser fails to repay the loan in advance according to the date and amount specified in the application for prepayment sent to the borrower's bank for any reason, it will be regarded as overdue repayment, and the loan purchaser will bear corresponding liabilities for breach of contract according to the loan contract.

2. Postal Savings Bank's early repayment in 2020?

The provisions of the Postal Savings Bank on liquidated damages for early repayment of loans are as follows:

1. If the repayment of the loan principal and interest on time is less than 12 months since the actual loan date, the lender shall be paid a penalty of 1% of the loan principal repaid in advance; If the principal and interest of the loan are repaid continuously and on time for more than 12 months (inclusive) from the actual lending date, there is no need to pay liquidated damages.

2. If part of the loan is repaid in advance, the minimum repayment application amount is 65,438 yuan+0,000 yuan, and it should be an integer multiple of 65,438 yuan+0,000 yuan.

The process of prepayment is as follows: first, check the requirements of prepayment in the loan contract, and pay attention to whether there is a certain penalty for prepayment; Call the loan bank in advance to inquire about the application time and minimum repayment amount of the loan and other materials that need to be prepared; According to the requirements of the bank, personally apply to the relevant departments for early repayment; The borrower carries the relevant documents to the borrowing bank to go through the formalities related to prepayment; Submit the advance payment application form and deposit the advance payment in the counter.

There is no limit to the number of times the bank can repay the mortgage in advance, and it can be paid off in whole or in part. It's just that the starting amount of each loan repayment is different from bank to bank. Some regulations are 1 1,000 yuan or multiples of 1 1,000 yuan. Some banks stipulate that 1000 yuan or more can partially repay the loan in advance. Please consult the bank in detail before repaying the loan in advance.

It is worth mentioning that the prepayment application form is irrevocable once confirmed by the borrower's bank. As a supplementary clause of the loan contract, it has the same legal effect as the loan contract. If the loan purchaser fails to repay the loan in advance according to the date and amount specified in the application for prepayment sent to the borrower's bank for any reason, it will be regarded as overdue repayment, and the loan purchaser will bear corresponding liabilities for breach of contract according to the loan contract.

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Three, the Postal Savings Bank prepayment process

The process is:

1. Required materials: applicant's ID card, bank card, loan contract and other related materials.

2. Applicants need to make an appointment with the Postal Savings Bank in advance.

3. Applicants need to bring the above-mentioned relevant materials to the counter of the designated postal savings bank business outlets and fill in the information.

4. The staff of the Postal Savings Bank shall examine the materials provided by the applicant.

5. After approval, the applicant

Extended data:

Early repayment refers to applying for early repayment and ensuring repayment of the loan of the current month; Pay off all or part of the loan in one lump sum according to the date stipulated by the bank.

Prepayment is generally divided into two ways: partial prepayment and full prepayment.

According to the different repayment methods, the borrower can choose to reduce the term or amount. According to the previous repayment method, customers can choose.

One is full prepayment, that is, the customer lends all the remaining interest, but the paid interest will not be refunded.

Second, a part of the loan will be repaid in advance, and the monthly repayment amount of the remaining loan will remain unchanged, thus shortening the repayment cycle. (save more interest)

Third, the loan will reduce the monthly repayment amount and keep the repayment period unchanged. Reduce the burden of monthly payment, but save time.

Fourth, part of the repayment in advance, while shortening the repayment period. (save more interest)

Fifth, the remaining loans keep the total principal unchanged and only shorten the repayment period. (but relatively uneconomical)

Financial experts suggest that when repaying in advance, the principal should be reduced as much as possible, the loan term should be shortened and the interest should be paid less.

After confirmation, the lending institution recalculates the repayment period of early repayment according to the calculation principle of "interest first, capital later, equal monthly decrease, and shortening the repayment period", and reprints the "loan change contract signed by the beneficiary of monthly repayment". The loan interest decreases with the demand. So, how can we pay less interest? A way. Because the "average capital repayment method" has a lot of principal in the early stage, when you repay in advance, the interest loss method will suffer some losses because of the high interest in the early stage. Therefore, it is very important to choose a reasonable repayment method.

Fourth, the policy of early mortgage repayment by Postal Savings Bank.

The provisions of the Postal Savings Bank on liquidated damages for early repayment of loans are as follows: if the repayment of loan principal and interest on time is less than 12 months from the actual loan date, the lender shall be paid liquidated damages at 1% of the repayment of loan principal in advance; If the principal and interest of the loan are repaid continuously and on time for more than 12 months (inclusive) from the actual lending date, there is no need to pay liquidated damages. If part of the loan is repaid in advance, the minimum repayment application amount is 654.38 yuan+0,000 yuan, and it should be an integer multiple of 654.38 yuan+0,000 yuan. According to Article 495 of the Civil Code of People's Republic of China (PRC), subscription books, subscription books, appointment books, etc. If the parties agree to conclude a contract within a certain period of time in the future, it constitutes an appointment contract. If one party fails to perform the obligation of concluding a contract as stipulated in the appointment contract, the other party may require it to bear the responsibility for violating the appointment contract. Interim Measures for the Administration of Personal Loans Article 1 These Measures are formulated in accordance with the Banking Supervision Law of the People's Republic of China, the People's Republic of China (PRC) Commercial Bank Law and other laws and regulations in order to standardize the personal loan business behavior of banking financial institutions, strengthen the prudent management of personal loan business and promote the healthy development of personal loan business. Article 2 People's Republic of China (PRC) and banking financial institutions established in China with the approval of China Banking Regulatory Commission (hereinafter referred to as lenders) shall abide by these Measures when engaging in personal loan business. Article 3 The term "personal loans" as mentioned in these Measures refers to loans in local and foreign currencies issued by lenders to qualified natural persons for personal consumption, production and operation. Article 4 Personal loans shall follow the principles of compliance with laws and regulations, prudent operation, equality, voluntariness, fairness and good faith. Article 5 Lenders shall establish an effective whole-process management mechanism for personal loans, formulate loan management systems and operating procedures for each loan type, define the corresponding loan objects and scope, implement differentiated risk management, and establish an assessment and accountability mechanism for each operation link of loans. Article 6 A lender shall establish a personal loan risk limit management system according to the dimensions of region, variety and customer base. Article 7 The use of personal loans shall comply with the provisions of laws, regulations and relevant state policies, and lenders shall not issue personal loans without specific purposes. Lenders should strengthen the management of loan fund payment and effectively guard against personal loan business risks. Article 8 The term and interest rate of personal loans shall be implemented in accordance with the relevant provisions of the state. Article 9 The lender shall establish a reasonable control mechanism for the borrower's income and debt ratio, reasonably determine the loan amount and term in combination with the borrower's income, liabilities, expenses, loan purposes, guarantees and other factors, and control the borrower's repayment amount in each installment not to exceed its repayment ability. Article 10 The China Banking Regulatory Commission shall supervise and manage the personal loan business in accordance with these Measures.