There are usually two ways of prepayment: one-time repayment and partial repayment. Borrowers can choose different ways according to their own financial situation.
For the problem of collecting liquidated damages for early repayment, I suggest you follow the provisions in the loan contract. Under normal circumstances, after the loan term expires for one year, most banks will not charge liquidated damages for provident fund loans, and there are fewer cases of charging liquidated damages for early repayment.
For the collection of liquidated damages, it is generally charged according to a certain proportion of the repayment amount, and another is to charge one month's monthly payment as liquidated damages.
If you have paid off the loan owed by the provident fund loan, you can still use the provident fund loan to apply for a house purchase loan again. Your loan interest rate remains unchanged, and the current loan interest rate will not rise because of the increase in your loan times.
Second, the mortgage prepayment process?
1. After the borrower's loan is settled, he shall present the loan settlement notice issued by the bank to the management department and the sub-center to issue the Notice of Cancellation of Real Estate Mortgage in triplicate, one for the center and two for the borrower.
2. The borrower holds his/her ID card and goes to the central personal loan department and sub-center to get the real estate license and the notice of mortgage cancellation issued by the central personal loan department, sub-center and trading center.
3. The borrower shall go through the mortgage loan formalities at the Municipal Property Rights Exchange Center with the above procedures.
Precautions for prepayment are as follows
1. Make an appointment in advance
During the loan period and within one year after the loan is issued, with the consent of the bank, you can apply in writing to repay part or all of the loan in advance. General banks need 2-7 working days to handle this business. Banks have different regulations on early repayment of loans, so lenders must make clear the operating procedures of loan banks before deciding to repay loans in advance.
The loan documents should be ready.
If the borrower needs to repay the loan in advance, he should generally apply by phone or in writing and go through the examination and approval formalities at the bank with his ID card and loan contract. If it is a borrower who has settled all the balance, after the bank calculates the remaining loan amount, it is convenient for the borrower to save enough money to repay the loan in advance.
If it is a customer or owner of the sub-mortgage business, it is best to find a professional guarantee institution to do entrusted notarization, so as to avoid the risk that the customer will not buy it after the owner repays in advance or the owner will raise the price after the customer pays the final payment with the down payment.
3. Calculation method of interest rate after interest rate reduction
The new interest standard will be calculated at the beginning of the new year, so even if the loan is to be repaid in advance, the lender should seize the opportunity and try to repay the loan in advance before the new interest takes effect at the end of the year. After paying off all the loans in advance, the lender should remember to surrender to the insurance company and other departments.
Step 4 give up
After the lender settles all the final payment in advance, the bank will issue a settlement certificate. The borrower can call the relevant insurance company with the original loan settlement certificate, the original policy and the original invoice issued by the bank to make an appointment to surrender. When the borrower applies for a loan, the bank will register the mortgage.
Third, how to repay the bank loan in advance? A few tricks to teach you how to do this.
Hello! The handling method of prepayment of personal housing mortgage loan of Agricultural Bank of China is as follows: When the borrower applies for prepayment of mortgage loan, he must submit a written application to the lender at least 30 days in advance and get the consent of the lender. As the actual situation varies from place to place, please contact the Lender's account manager for communication. The information to be carried in the prepayment of individual housing loan is the borrower's identity document, the individual housing loan guarantee contract and the original housing loan repayment card (discount), and an application shall be submitted to the original loan agency in advance according to the contract. Please consult your local loan bank for details. The collection standard of liquidated damages for prepayment is based on the loan contract signed by the customer and our bank. Please check the loan contract or contact the loan agency for verification.
(Answer time: 65438+February 2022 65438+March. In case of business changes, please refer to the actual situation. )
4. How to repay the bank loan in advance?
The general process of China Bank's prepayment is as follows:
The first step is to make an appointment in advance. If the borrower wants to repay the loan in advance, he needs to make an appointment with China Bank by telephone, and provide the name, ID card and specific repayment date to the staff at the time of appointment. The main purpose of this is to let the bank do an accurate processing time in advance.
The second step is to repay the loan. After the user makes an appointment, by the repayment date. You can bring your own relevant information and go to the bank to handle the loan repayment procedures in advance. Users need to pay attention to the fact that early repayment of loans requires the bank to handle it.
The third step, we will repay the loan in advance according to Yin Cheng's procedures, and then we can go to the Housing Authority to change rooms after we have made clear the certificates and other warrants.
Precautions for advance payment:
1. When asking whether the bank defaulted on repayment, it violated the loan contract signed with the bank at that time. Therefore, it may be necessary to return the relevant hand, and the borrower needs to ask clearly.
2. Choose the appropriate repayment method. There are three main situations of prepayment. First, the monthly repayment amount of the remaining loans remains unchanged and the repayment period is shortened; Second, the remaining loans reduce the monthly repayment amount and keep the repayment period unchanged; Third, the repayment period will be shortened. The borrower can choose the appropriate one according to his actual situation.
Extended data:
Under the following circumstances, prepayment is not recommended:
1. Enjoy a 30% discount on channel 8.5 when signing the contract, and reduce it in time according to the first stage;
2. For the buyers whose repayment period of equal principal has exceeded 1/3, the repayment method in average capital will leave less principal and generate less interest. When the repayment period exceeds 1 interest, most of the later repayment is the principal;
3. For buyers who repay the principal and interest in the medium term, the principal in the monthly repayment amount increases month by month, and the interest ratio decreases month by month, so it is of little significance to repay in advance.