Repayment method of equal principal and interest: monthly payment 14 1 1.44.
Matching principal repayment method: RMB 65,438+RMB 0,788.33 in the first month, with a monthly decrease of RMB 35,438 +0 yuan.
You can prepay, and the interest-free period of prepayment by CCB should be clearly indicated in the contract terms given to you by the bank, which is estimated to be 2-3 years, which means that there is no penalty interest of 4% for prepayment beyond this period.
Early repayment can be: self-owned funds, provident fund.
Before prepayment, you need to call the account manager who handles your loan, and he will tell you how much the prepayment principal and principal interest are, so as not to save enough, and you need to pay one more day's interest for the delayed deduction that day.