1, telephone reservation for prepayment. The appointment telephone number is generally available in the loan contract. If not, you can call the customer service phone of China Merchants Bank directly.

2. Relevant information on the prepayment of quasi-principal, generally including the borrower's identity certificate, loan contract, repayment account (bank card, passbook) and other materials required by the bank;

3. Prepare the materials needed for prepayment, and go through relevant formalities at the agreed time and place;

4. After the formalities are completed, deposit the money into the account;

5. The advance payment has been completed. In addition, for how long it takes to complete the prepayment of China Merchants Bank, you need to make an appointment with the handling bank by phone first, depending on the regulations of the handling bank.

6. Generally, it is calculated as 2%-5% of the remaining repayment amount. For example, if you prepay 400,000 yuan, the loan is 6,543.8+0,000 yuan, and the remaining 600,000 yuan, then the penalty for prepayment may be between 6,543.8+0.2 million and 30,000 yuan.

7. Charge a certain amount of interest. Some banks stipulate a penalty interest of less than one year for three months, while others stipulate a penalty interest of more than one year and less than two years for two months, and no penalty interest for more than two years.

Extended data:

The mortgagor who repays the loan in advance should carefully check the request for prepayment and review it. It also takes some time to apply for approval. If the lender wants to repay the loan in advance, under normal circumstances, he should take good care of his ID card and loan contract to the bank after making a phone call or making a written request. As a trustee, he should take good care of the real estate license, settle other debt documents confirming the pledge at the bank, and personally go to the district construction committees to understand the pledge situation.

What is not taken seriously is that if the diners don't have a one-time knot. The original policy and invoice can be booked by calling the relevant security companies. If it is a depositor and the owner who handles the mortgage refinancing business, it is best to find an amateur guarantee service agency to do notarization, so as to avoid the situation that the depositor does not buy or the depositor reviews the formalities after the owner repays in advance.

First, don't forget to surrender the loan in advance.

When the lender handles the loan, the bank will cancel the pledge. For example, if it is necessary to go through the prepayment procedures, Hefei Small Loan Bank normally requires the lender to submit a written or telephone request 15 working days in advance, and the bank will accept the loan.

If it is a lender who settles the full balance, Hefu Microfinance is prepared to make a remaining loan line after the bank, so that the lender can take out the remaining money and repay the loan in advance.

Second, we can't ignore the oath.

The danger of the owner's falling price after the down payment is paid off. After the borrower settles the full amount in advance, the bank will show the settlement confirmation, and the lender will plan after keeping the copy of the loan settlement confirmation issued by the bank and the original system of each bank.

Third, prepayment needs preparation.

At present, some banks will release the pledge by themselves. After the pledge is released, the lender himself needs to go to the bank to get a house book. There will be changes. Banks stipulate that early repayment should be several times of 65,438+0,000, and some banks still need to charge a certain amount of non-repayment. If the depositor pays off the loan, he must not forget to pledge a certain loan and cannot ask for surrender.

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