What is the current loan interest? One is short-term loans, and the loan interest within one year (excluding one year) is 4.35%. The other is medium-and long-term loans, with an annual interest rate of 4.75% from/kloc-0 to 5 years (including 5 years). Changsha's loan policy is that loans within five years are calculated at 2.75%; More than five years is 3.25%. Before lending money, the lender's best way is to call the branches of Changsha banks (customer service hotlines of each branch) or go to the bank for consultation in person to see what the real market interest rate is. Beware, the information of bank official website is incorrect.
How much penalty should I pay for repaying the mortgage in advance? Major banks have their own standards for liquidated damages for repaying money in advance. Under normal circumstances, if the loan term is less than one year, it will be charged at 5% of the prepayment. If the loan term is less than 3 years, a penalty of 3% of the overdue payment shall be paid. If the loan term exceeds three years, there is no penalty interest. If you want to pay back the money in advance, you can refer to the loan contract you signed with the bank. Under normal circumstances, there will be provisions for paying back the money in advance.
What materials should be provided for the loan application of Changsha Bank? Changsha permanent residence permit or other valid residence permit; Notarization of marital status; Transfer records; Provide proof of income or property; Credit certificate; Planning or declaration form for loan purposes; Other information required by Changsha Bank.
The above is the main content of Changsha Bank mortgage prepayment process. Interest rates of commercial banks will change at present. It is recommended to contact the bank for details. I believe everyone knows about these contents, and I hope the article here can give you some help.