1. Liquidated damages for prepayment: According to the relevant regulations of Industrial and Commercial Bank of China, a certain liquidated damages will be charged for prepayment. The specific amount of liquidated damages needs to be determined according to your loan contract, which is generally calculated according to a certain proportion of the prepayment principal.
2. Remaining principal: You have repaid 1 year, and the remaining principal needs to be determined according to your repayment schedule. You can consult ICBC or log in to online banking to check your loan account and find out the current remaining principal.
3. Interest calculation: prepayment will affect your loan interest calculation method. Generally speaking, after prepayment, the remaining principal will be reduced, thus reducing future interest expenses. The specific interest calculation method needs to be determined according to your loan contract.
To sum up, in order to accurately calculate the amount of prepayment, it is suggested that you directly contact China Industrial and Commercial Bank to ask them about your specific situation and understand the related expenses and calculation methods. They will provide you with accurate prepayment amount according to your loan contract and repayment plan.
If you don't know your online loan application, you can try to get a big data report on Puxincha, check your detailed loan record, and then confirm that you borrowed the money. At this time, you should pay off all the money you owe, and then contact the customer service of the corresponding platform to let them handle it and see if the blacklist of online loans can be eliminated.