Apply to the bank one month in advance for prepayment, bring your ID card with you on the agreed date, and submit the original loan contract signed by the bank for prepayment agreement. Generally, prepayment is an integral multiple of 10000.

2. What are the procedures and processes for CCB to repay the loan in advance?

Step/Mode 1

Make an appointment with the bank account manager in advance.

Step/Mode 2

Bring your ID card to the bank outlet for loan business at the appointed time.

Step/Mode 3

CCB needs to pay liquidated damages for prepayment (different banks have different prepayment standards, and different branches of the same bank have different liquidated damages). The details are as follows: the partial prepayment requirement is not less than 6 times of the monthly repayment amount, and the maximum repayment amount is not more than 35% of the monthly repayment amount. Some users who repay in advance can repay once a year for free. All prepayments need to pay liquidated damages. Repay the loan one to two years in advance and charge 2% of the prepayment amount. If the loan is repaid two to three years in advance, 1% of the prepayment amount will be charged. However, the specific repayment amount needs to be implemented in accordance with the contract.

Step/Mode 4

Pay off the remaining loan first, and the bank will print out the settlement voucher on the spot.

Step/Mode 5

It takes 1 week for the bank to cancel the mortgage, and the main lender can go to CCB to get the materials. In addition, he can fill in the power of attorney at the bank and let others pick it up for him.

Step/Mode 6

After paying off the loan, the main lender (or sub-lender) needs to cancel the mortgage of the provident fund loan at the provident fund management center and obtain a certificate stamped with a red seal.

Step/Mode 7

Finally, together with the certificates of cancellation of mortgage registration by both parties, go to the real estate trading center to cancel the registration of real estate mortgage.

3. What are the procedures for changing loans in advance at CCB?

CCB's prepayment process:

1. Make an appointment with the bank account manager in advance;

2. Bring your ID card to the bank outlet for loan business at the appointed time;

3. CCB needs to pay liquidated damages for prepayment (different banks have different liquidated damages standards for prepayment, and different branches of the same bank have different liquidated damages for prepayment), as follows:

3. 1 The minimum amount of prepayment shall not be less than 6 times the monthly repayment amount, and the maximum amount shall not exceed 35% of the monthly repayment amount. Some advance payments can be paid back once a year for free.

3.2 All prepayments are subject to liquidated damages. If the loan is repaid one to two years in advance, 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. However, the specific repayment amount needs to be implemented in accordance with the contract.

4. Pay off the remaining loans first, and the bank will print the settlement voucher on the spot;

5. It takes 1 week for the bank to cancel the mortgage, and the main lender goes to CCB to get the materials; In addition, you can also fill in the power of attorney in the bank and let others collect it on your behalf;

6. After paying off the loan, the main lender (or the sub-lender with the relationship certificate) needs to go through the mortgage cancellation procedures of the provident fund loan at the provident fund management center and obtain the certificate stamped with the red seal.

Now there are three ways to prepay:

First, the monthly repayment amount of the remaining loans remains unchanged and the repayment period is shortened;

Second, the monthly repayment amount of the remaining loans is reduced, and the repayment period remains unchanged;

Third, the remaining loans will reduce the monthly repayment amount and shorten the repayment cycle.

Fourth,