Many people are consulting and want to ask some questions about loan repayment, because there are many kinds of loan products now, and if you are not careful, you may apply for the wrong loan. They want to cancel the loan and re-borrow, but they are afraid that they will charge a penalty for repaying the loan. So what will be the impact of withdrawing the loan? Is there a penalty for repaying the loan? Today, this article will briefly talk about this aspect.

The basic principle is that loan is a financial business, and both borrowers and borrowers need to follow certain rules, so they can't easily return the loan. If they want to refund the loan, they may have to charge a penalty. 1. Can I repay the loan? Under normal circumstances, it is possible. After all, with so many loan applicants, it is inevitable that many people do not want to borrow for various reasons, so institutions will provide repayment channels. However, owing on the loan has a price, which varies according to different situations. 1, application stage. If the application has not been submitted, the loan will be refunded when the information is filled in, the identity authentication and the loan demand are confirmed, and no penalty will be charged. 2. Not approved after submission. A certain probability can depend on the regulations of the organization. If it is a small loan audited by the system, then the loan refund is not supported. 3. Under review. Most institutions are not allowed to refund loans. The borrower can try to contact customer service to apply for account cancellation. 4. The loan has been issued. The loan contract has been reached and it is impossible to repay the loan. The borrower can only choose to settle in advance and pay liquidated damages. 2. Is there a penalty for repaying the loan? Want to accept. As can be seen from the above, as long as the loan application is submitted, it has already entered the review process. According to the contract, if the borrower withdraws unilaterally, it generally needs to collect liquidated damages, and the specific proportion varies from institution to institution. Especially some important loans, such as mortgage loans, car loans, corporate loans and so on. , may have paid the deposit, down payment, deposit, insurance and other expenses, and some expenses must be deducted from the exit. The above is the relevant content of whether to charge liquidated damages for loan repayment. I suggest you don't repay the loan easily, the process is very troublesome.

Second, in the form of a loan, do I need a fine for my refund now?

Is it in the form of a bank or in a bank?

3. Is there a penalty for repaying the mortgage in advance?

There is a fine for repaying the mortgage in advance. Provisions on the collection of liquidated damages by major banks:

China merchants bank 1

If the prepayment is less than one year, interest will be charged for not less than three months; if the prepayment is over one year, interest will be charged for not less than one month.

2. China Construction Bank

If the loan is repaid in advance for less than one year, 3% of the prepayment amount will be charged. If the loan is repaid in advance for one to two years, 2% of the prepayment amount will be charged. If the loan is repaid two to three years in advance, 1% of the prepayment amount will be charged.

3. Agricultural Bank of China

If the loan is repaid in advance for less than one year, it will be charged according to the principal multiplied by the monthly interest rate, that is, the loan interest rate divided by 12 months MINUS the number of repayment months. If the loan is repaid in advance after one year, as long as there is no record of prepayment before, no penalty will be charged. If the repayment has been made in advance, the applicant will not be fined when applying again one year later.

4. Industrial and Commercial Bank of China

If the loan is repaid in advance for less than one year, 5% of the prepayment amount will be charged as liquidated damages. If the loan is repaid in advance after one year, no penalty will be charged.

5. Bank of China

If the loan is repaid in advance for less than one year, a penalty interest of no more than six months will be charged (calculated according to the loan interest rate on the prepayment date). If the loan is repaid in advance after one year, no penalty will be charged.

6. Bank of Communications

When repaying the mortgage in advance, it is stipulated that part of the prepayment shall not be less than 6 times of the monthly repayment amount, but not more than 35% of the monthly repayment amount, and part of the prepayment can be repaid once a year for free. All prepayments need to pay liquidated damages and charge 65438+ 0% of the current repayment amount. However, the specific repayment amount needs to be implemented in accordance with the contract.

7. Guangfa Bank

If the prepayment is less than one year, two months' interest will be charged as liquidated damages. If the loan is repaid in advance after one year, no penalty will be charged.

8. China Everbright Bank

When repaying the mortgage loan in advance, if the loan is repaid in advance for less than one year, 3%~6% interest will be charged as liquidated damages, which should be implemented in accordance with the contract. Repay the loan in advance after one year without any penalty.

9. Shanghai Pudong Development Bank

When repaying the mortgage in advance, if the loan is less than one year in advance, different interest rates of 1.5% or 3% will be charged, and some will be charged according to the amount stipulated in the contract. Repay the loan in advance after one year without any penalty.

4. Can the liquidated damages of 4.a auto faster be refunded?

You can return it.

1, first open the Aauto Quicker- setting (open the a auto Quicker software, three bars in the upper left corner).

2. Open the Aauto Quicker Store (after opening the settings, drop down to find the Aauto Quicker Store).

3. Click the name of Aauto Quicker store (after opening the page, first check whether the upper right corner is the seller's side, if not, please click the double arrow to change it to the seller's side).

4. Click to turn off the automatic quick commodity sales function (click the last line), and then click Continue.

5. Note: Turning off the function of selling goods faster in Aauto means: a. Unless you submit an application for opening a store for a period of time, you cannot trade goods faster in Aauto (including the right to hang goods on other platforms). B. Some important rights and interests will take effect immediately.

6. Click Continue. Three conditions must be met before closing the account: a. There is no abnormality in the account, that is, there is no illegal period; B. There are no orders that have not been delivered, signed or grouped, and there are no after-sales orders; C. the account balance has been emptied.

7. Read the closure agreement, check and click Next.

8. Select the closing reason and click Finish.

9. Fill in Alipay account, Alipay real name, and bind the mobile phone verification code, and click Next.

10, note: Alipay account must be the authentication Alipay of Aika Auto Faster Real Name Authenticator. Click Finish to wait for the review.

1 1. Note: The normal review time is 7- 15 working days. If there is an order problem during the period, the review will be conducted within 3 months.