The borrower must apply for early repayment at the loan bank, and cannot apply for early repayment in different places.
It can only be handled at the bank where the application is made, and the applicant and the staff of the lender (bank and other institutions) must reach an agreement through consultation before repayment can be made in advance. According to Article 32 of the General Principles of Loans, the borrower shall repay the loan principal and interest in full and on time as agreed in the loan contract. If the loan is repaid in advance, it shall negotiate with the lender. Specific procedures, due to different lending institutions, the materials and requirements to be submitted for review are also different. Applicants are advised to bring their valid ID cards and loan bank cards. And consult clearly in advance. And the bank will charge some liquidated damages. Pay attention to the following matters when handling mortgage prepayment: 1. The prepayment time allowed by the bank is different. Most banks can apply for early repayment after one year of repayment, and some banks can repay loans in advance at any time. Pay attention to the repayment time of the loan bank when repaying the loan in advance.
2. The loan term of general mortgage is more than 65,438+00 years. During this period, it is inevitable for banks to adjust interest rates. If they are in the interest rate cut channel, it is obvious that the faster they adjust, the more cost-effective.
3. Whether the loan is repaid in advance or according to the contract, the mortgage registration must be cancelled after the loan is paid off.
The second is the Agricultural Bank of China, which originally set up a mortgage in my hometown and now wants to repay it in advance. Can I repay the loan at the Agricultural Bank in other places?
Hello, the prepayment method of personal housing mortgage loan of Agricultural Bank of China is as follows:
If it is necessary to repay the mortgage in advance, the borrower should generally go to the loan bank for approval and handling one month in advance. The collection standard of liquidated damages for early repayment is based on the loan contract signed between you and our bank, the relevant regulations and the personal house purchase guarantee loan contract, and the mortgage repayment business is handled in advance. The borrower shall go through the loan settlement formalities at the loan bank with valid identity documents, original (folded) repayment card of house purchase loan and individual house purchase loan guarantee contract. All individual housing loans are repaid in advance, that is, the loan bank returns the relevant legal vouchers and documents that have been put into storage to the borrower, and the borrower needs to sign for them in writing.
(Answer time: May 9, 2022. In case of business changes, please refer to the actual situation.
3. Do I need to go to the bank in person to apply for early repayment? How to deal with people from other places?
To prepay personal loans, you must personally apply to the bank or ask a third party to hold a legally binding power of attorney.
4. Can I repay my mortgage in advance in different places?
When dealing with a house, the most common thing is a loan, which is also a very popular way to buy a house now. Most people attach great importance to loans when dealing with real estate, but not many people really know about loans now, so the handling of loans is very complicated and the repayment in the later period is also more troublesome. So, can you repay the mortgage in advance in different places?
1, no.
2. The borrower must apply to the loan bank for prepayment, and it is not allowed to repay the mortgage in advance in different places. It can only be handled at the bank where the application is made, and the applicant and the staff of the lender (bank and other institutions) must reach an agreement through consultation before repayment can be made in advance.
3. According to Article 32 of the General Rules for Loans, the borrower shall repay the loan principal and interest in full and on time in accordance with the loan contract. If the loan is repaid in advance, it shall be negotiated with the lender. Specific procedures, due to different lending institutions, the materials and requirements to be submitted for review are also different. Applicants are advised to bring their valid ID cards and loan bank cards. And consult clearly in advance. And the bank will charge some liquidated damages.
Banks are allowed to repay loans in advance at different times. Most banks can apply for early repayment after one year of repayment, and some banks can repay loans in advance at any time. Pay attention to the repayment time of the loan bank when repaying the loan in advance. No matter whether the loan is repaid in advance or according to the contract, the mortgage registration must be cancelled after the loan is paid off.