For example, the loan method of CCB can be changed. As long as it can be proved that the borrower's income has not weakened, you can propose a change in the repayment method to CCB. The premise is that the previous repayment record is good and there is no default. After the bank agrees to the change, the borrower and the bank sign a written change agreement, and the interest paid before the change of repayment method will not be refunded.
What should I pay attention to when buying a house with a loan?
1, remember to do what you can.
Some people think that the bigger the loan amount, the better, but this is not the case! Because you have to pay the mortgage and interest. If your loan term is longer and the loan amount is larger, you will have to pay more interest, which will increase your repayment pressure.
2. The loan information provided is true and effective.
If the loan buyers provide false materials to the bank, it may have a serious impact: it will affect the bank's audit, and it will be impossible to issue loans and realize the dream of living; What's more, it may be because individuals provide false materials, which leads to the inability to apply for loans, which leads developers to require buyers to bear the liability for breach of contract for overdue delivery of mortgage materials and pre-sale contracts of commercial housing, and pay a considerable amount of liquidated damages.
3. Repay in full and on time every month.
After obtaining the loan, the borrower must repay the loan in full and on time in accordance with the provisions of the loan contract, so as not to leave a bad credit record and cause unnecessary trouble. If you encounter difficulties on the way and can't repay the loan on time, the buyer can apply to the bank to change the loan term, and the loan bank can extend it if it agrees.
How to calculate the repayment in the middle of the mortgage?
1. Full prepayment means one-time settlement of mortgage principal and interest. After all prepayment, the interest will be calculated from the day when the principal and interest of the bank are paid off. In other words, as long as you borrow from the bank, the interest will be calculated.
2. Partial prepayment means that only a part of the loan principal and interest is repaid, and the remaining principal and interest are not settled. The outstanding loan principal and interest shall be executed according to the loan interest rate agreed in the original loan contract (continued preferential treatment with discount).
3. There are two ways to repay part of the loan balance in advance. One is to shorten the repayment period, and the monthly payment amount is inconvenient; Second, the repayment period remains unchanged, reducing the monthly payment. In contrast, the first one can save more interest.