Small and micro enterprise loans can be repaid in advance.
And there is no punishment. If the bank refuses to prepay or collect liquidated damages, it can complain to the CBRC at telephone number: 12378.
According to the regulations of the CBRC, in the credit financing and loan contracts of small and micro enterprises, the liquidated damages for early repayment or overdue repayment shall not be stipulated, and the overdraft commitment fee and credit certificate fee of enterprise accounts shall be cancelled.
2. The bank charged a penalty of 4,000 yuan for repaying the mortgage one year in advance. How can I complain?
The liquidated damages for early repayment of loans by banks are generally stipulated in the loan contract. If it is higher than the loan repayment in advance agreed in the loan contract, if there is an agreement in the loan contract
If the loan contract signed with the bank clearly stipulates that it is legal for both parties to repay in advance. There's nothing I can do about it beforehand. I can't complain
If the loan contract was signed at the beginning, and there was no penalty clause for repaying the loan in advance, then you can complain to the CBRC about bank charges. The CBRC will give a reply within 7 working days.
3. Call 12378 to complain about the liquidated damages for prepayment of mortgage?
If you have any objection to the penalty charged by the bank for repaying the mortgage in advance, you can call 12378 to make a complaint. This is a banking service hotline set up by the China Banking Regulatory Commission, which aims to provide complaints, inquiries and other services for the majority of bank customers.
When calling 12378, you need to provide relevant personal identification information and mortgage information, describe the problems and requirements in detail, and the complaint handler will handle them according to your situation and make corresponding replies.
It is suggested that before making a complaint, you should read the relevant loan contract and repayment agreement carefully, understand the bank's regulations and charging standards for liquidated damages for early repayment, and avoid unnecessary misunderstandings and misunderstandings.
Four. Repay the liquidated damages of mortgage loan in advance.
Whether it is reasonable or not depends on how the loan contract you signed is stipulated.
Some banks have no liquidated damages for prepayment, while others do. There are corresponding clauses in the loan contract.
If calculated according to the terms, you will understand whether the liquidated damages required by the bank are correct.
I can't make a judgment without knowing the terms of the contract.
I hope I can help you!