I. Specific implementation steps: 1. You need to fill out the prepayment application form in the bank in advance. The application form also includes the reason for repayment, the contact telephone number of the location of the house, ID card and repayment passbook account number, repayment bank card account number, etc. These basic information should be truthfully filled in. Please check it and fill it out and return it to the bank.

2. After receiving this application, the bank will reply within 1 month. If it is a provident fund loan, the borrower also needs to provide the relevant loan contract, housing provident fund card and ID card to the provident fund management center.

3. Go through the transfer formalities, then go to the bank to fill out the bank application form, and the bank will issue a repayment certificate. The borrower only needs to repay the remaining loan to the bank in one lump sum.

Second, if the mortgage is repaid in advance,

Step 1: The borrower calls the customer service of CCB in advance to make an appointment;

Step 2: After receiving the notice from CCB, collect the application form of prepaid expenses from CCB outlets and fill it out truthfully;

Step 3, hand over the formalities required for advance payment to the bank;

Step 4: After the approval, bring relevant certificates to the bank for prepayment procedures;

Step 5: After completing the formalities, go to the bank counter for repayment.

In short, the steps are the same as the appeal, but it should be noted that the early repayment of housing loans requires the payment of liquidated damages, as follows:

If the prepayment is less than one year, it will be charged at 3% of the prepayment amount.

The loan should be repaid one to two years in advance and charged at 2% of the amount repaid in advance.

If the loan is repaid 2-3 years in advance, it will be charged at 1% of the prepayment amount.

Three. Matters needing attention in repayment

1. When we apply for a mortgage loan, we must apply for an appropriate amount. Some people think that the bigger the loan amount, the better. In fact, after we finish the loan, we have to pay it back every month and pay some interest. The more we borrow, the higher the interest, which will increase our repayment pressure.

2. Be sure to know the repayment method when making a loan, so as not to know the repayment method after the loan is completed and lead to overdue repayment.