Can the mortgage be repaid in half in advance? You can prepay in part, but there are two ways to prepay in part: one is to reduce the repayment time under the condition that the monthly repayment amount remains unchanged; Another way is to reduce the monthly repayment amount, but the repayment time will not change. The advantage of the first scheme is that the interest rate can be lowered, and the advantage of the latter scheme is that the monthly supply can be reduced and the pressure on the monthly supply can be alleviated.

Mortgage prepayment procedure 1. Make an appointment with the account manager of the bank in advance;

2, according to the appointment time card to the bank outlets for loan procedures;

3. CCB has to pay liquidated damages for early repayment (the liquidated damages for early repayment of major banks are different, and the liquidated damages for different branches of different banks are also different);

4. The condition of partial prepayment is that the repayment amount is more than 6 times per month, with a maximum of 35%. Partial prepayment of loans can be paid once a year for free.

5. If all repayments are made in advance, liquidated damages shall be paid, one to two years in advance and 2% in advance; Loans 2-3 years in advance shall be paid at 65438+ 0% of the prepayment amount. However, the specific repayment amount should be executed according to the contract.

Problems that should be paid attention to in repaying the loan in advance 1. During the loan period, one year after the loan is issued, the borrower may ask the bank for early repayment or full repayment with the consent of the bank. Under normal circumstances, it takes 2 to 7 days for banks to handle this service, and the regulations of major banks on prepayment are different. Therefore, before prepayment, borrowers must understand the bank's operation process and prepare the corresponding information.

2. If the borrower needs to repay the loan in advance, he can apply by phone or in writing, and handle the loan formalities with his ID card and loan agreement. If the borrower has paid off all the loans, the bank should return the deposits in advance after calculating the loan balance.

3. Some banks will charge interest for prepayment, and pay the corresponding liquidated damages according to regulations, which are listed in the loan agreement, while some banks will repay at the interest of 1-3 months. If the other party says that he will pay liquidated damages, he must ask first and then give him a sum of money.

The above is the answer that the mortgage can be repaid in half in advance. I believe everyone has understood. I hope the above content is helpful to you.