Legal analysis: 1. Industrial and Commercial Bank of China: 5% of the prepayment amount will be charged for prepayment within one year; If the repayment is made in advance after one year, no penalty will be charged. 2. China Merchants Bank: If the prepayment is less than one year, interest will be charged for at least three months relative to the actual repayment amount; If repayment is made in advance after one year, at least 1 month interest will be charged relative to the actual repayment amount. 3. Agricultural Bank: if the repayment is made in advance within one year, it will be charged according to the calculation formula of principal × monthly interest rate; If the repayment is made in advance after one year, no penalty will be charged. 4. Bank of China: If the prepayment is less than one year, a penalty of no more than 6 months' interest will be added; If the repayment is made in advance after one year, no penalty will be charged. 5. Construction Bank: 3% of the prepayment amount will be charged for prepayment within one year; 2% will be charged for prepayment after one to two years; For prepayment after two to three years, a fee of 1% will be charged. 6. China Everbright Bank: 3% to 6% interest will be charged as liquidated damages for prepayment within one year; If the repayment is made in advance after one year, no penalty will be charged. 7. Bank of Communications: In case of prepayment, the liquidated damages shall be at least six times of the monthly repayment amount, and part of prepayment can be repaid free of charge once a year.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 577 Where a party fails to perform its contractual obligations or fails to perform its contractual obligations in conformity with the contract, it shall be liable for breach of contract such as continuing to perform, taking remedial measures or compensating for losses.

Article 578 Where a party expressly expresses or shows by his own behavior that he will not perform his contractual obligations, the other party may request him to bear the liability for breach of contract before the time limit for performance expires.

Article 579 If one party fails to pay the price, remuneration, rent or interest, or fails to perform other monetary obligations, the other party may demand payment.

Article 584 Where a party fails to perform its contractual obligations or fails to perform its contractual obligations in conformity with the contract, thus causing losses to the other party, the amount of damages shall be equivalent to the losses caused by the breach of contract, including the benefits that can be obtained after the performance of the contract; However, it shall not exceed the losses that the breaching party foresaw or should have foreseen when concluding the contract.