Go to the local business counter of China Bank and bring your ID card and bank card, so that the staff can print the loan repayment certificate.

scope of application: monthly repayment voucher for personal loans (including provident fund loans and mortgage loans).

Proof of loan repayment:

1. The borrower prints the repayment voucher himself

I hold the original valid ID card and provide my loan account number; If you can't provide the borrower's loan account number, you need to go back to the loan handling bank to print the repayment voucher.

2. The agent prints the repayment voucher

Hold the original valid ID cards of the agent and the borrower, and provide the loan account number of the borrower; If it is really impossible to provide the original ID card of the borrower due to special reasons such as the borrower's business trip and absence from the local area, the teller shall contact the borrower by telephone on the spot and verify that the relevant elements on the repayment voucher are consistent before handing over the repayment voucher to the agent.

if there is any doubt or objection to the printed voucher, the loan handling bank shall be responsible for the relevant interpretation.

Extended information

First, you must ask the requirements for repaying the loan in advance

If the borrower wants to repay the loan in advance, it must be more than half a year after repayment, or even individual banks require repayment for more than one year. Banks generally require borrowers to submit written or telephone applications 15 working days in advance. After receiving the borrower's application for early repayment of loans, banks need to examine and approve it, so it usually takes about one month.

In addition, banks have different requirements for early repayment. For example, some banks stipulate that early repayment is an integer multiple of 1,, and some banks need to charge a certain amount of liquidated damages.

ii. documents for early loan repayment need to be prepared

if a borrower wants to repay the loan in advance, he/she should generally bring his/her ID card and loan contract to the bank for examination and approval after telephone or written application. If it is a borrower who has settled all the balance, it is convenient for the borrower to deposit enough money to repay the loan in advance after the bank calculates the remaining loan amount.

if it's a customer or owner of the sub-mortgage business, it's best to find a professional guarantee institution to do the entrustment notarization, so as to avoid the risk of the owner's price increase after the owner repays in advance, if the customer doesn't buy it or the customer helps the owner pay off the final payment with the down payment.

Third, don't forget to surrender the loan and release the mortgage in advance

After the lender settles all the final payment in advance, the bank will issue a settlement certificate, and the borrower will call the relevant insurance company with the original loan settlement certificate, the original copy of the original insurance policy and the invoice, and make an appointment to surrender.

when the borrower applies for a loan, the bank will apply for mortgage registration. After the customer settles the loan, don't forget to untie the mortgage. The borrower should bring the real estate license, settlement certificate and other rights certificate mortgaged in the bank to the district construction Committee office to understand the mortgage. In this way, your own property can be said to be completely your own property.

4. Not everyone is most suitable to repay the loan in advance

The 3% interest rate of the loan customers who have signed up is very low compared with the current CPI, and the capital utilization cost of these buyers is very low, so it is not recommended to repay the loan in advance.

Baidu Encyclopedia-prepayment

Baidu Encyclopedia-prepayment

China Bank-Questions and Answers of Housing Loan Customers.