The mortgage can be paid off in advance at one time, and the procedures for paying off the mortgage in advance at one time are as follows:

First, check the requirements for early repayment in the loan contract, and pay attention to whether it is necessary to pay a certain penalty for early repayment.

2. Call the loan bank to inquire about the application time of early repayment, and the repayment amount is low.

Three, according to the requirements of the bank in person to the relevant departments to apply for early repayment.

Four. Borrowers need to bring relevant certificates to the borrowing bank to go through the relevant procedures for early repayment.

Submit the advance payment application form and deposit the advance payment in the counter.

[Extended information]

First, the basic introduction of mortgage

Mortgage, also known as house mortgage. Mortgage refers to the legal documents such as housing mortgage loan application, ID card, income certificate, housing sales contract, guarantee letter and so on submitted by the property buyers to the bank. , must be submitted. After passing the examination, the bank promises to issue loans to the buyer, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank will directly transfer the loan funds to the account of the seller's unit in the bank within the time limit stipulated in the contract. Participants in mortgage loans, including commercial banks that provide credit funds, buyers who eventually purchase real estate, and property owners (including developers/second-hand housing owners), also need to participate in applying for loans from appraisal companies and mortgage guarantee companies.

Statistics released by Beijing Wancai United Investment Management Co., Ltd., a real estate guarantee company, show that by the end of 20 10, the utilization rate of mortgage loans has reached a high level in major first-tier cities in China. In terms of housing mortgage loans, the loan ratio has reached more than 70%. Moreover, in recent years, more and more residents have applied for mortgage loans with their own or relatives' properties to revitalize their properties. "Mortgage" has become a way of life closely related to residents' lives.

Two. Application material

1. The borrower's valid ID card and household registration book.

2. Proof of marital status. Unmarried people need to provide proof of unmarried, and divorced people need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce).

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate.

4. The borrower's income certificate (the half-year salary income certificate or tax payment certificate is local).

5. Real estate license.

6. Guarantor (ID card, household registration book, etc.). Is necessary. ).

Can I repay the loan in advance when I buy a house?

It's possible. Early repayment not only shortens the repayment cycle, but also reduces interest expenses. There are several different ways of "partial repayment" for prepayment: the first way is to keep the contribution amount unchanged and shorten the number of installments. The second is that the number of contribution periods is unchanged and the monthly contribution amount is reduced, that is, during the remaining period, both the monthly contribution amount and the number of contribution periods are adjusted. The specific method of "all in advance" is: first find out the principal and interest still owed in the bank and pay off all the remaining loans at one time. Then the bank will issue proof of repayment and proof of agreement to cancel the mortgage, and then go to the Housing Authority to apply for proof of cancellation of the mortgage. In this way, the mortgage relationship between the customer and the bank is lifted.

Can the mortgage be repaid in advance? What should I pay attention to in prepayment?

For many people, buying a house is a big event and a very annoying thing. Many buyers want to buy a house but have no money. Buying a house with a loan can reduce the pressure on buyers, but everyone wants to repay the mortgage in advance if they have money. After all, interest is a big expense. So can the mortgage be repaid in advance? What should I pay attention to in prepayment?

For many people, buying a house is a big event and a very annoying thing. Many buyers want to buy a house but have no money. Buying a house with a loan can reduce the pressure on buyers, but everyone wants to repay the mortgage in advance if they have money. After all, interest is a big expense. So can the mortgage be repaid in advance? What should I pay attention to in prepayment?

1. Can the house loan be repaid in advance?

First of all, for prepayment, you can pay it back if you want. It depends on the contract and bank regulations. Generally speaking, prepayment requires an appointment in advance. In addition, there are requirements for repayment amount and repayment period, and some banks also charge liquidated damages for early repayment.

Secondly, if you want to prepay, you need to agree with the loan bank to prepay. Fill in the bank repayment application form, and after confirmation by the bank, bring the original ID card and repayment passbook to the bank to confirm the principal and interest amount of the loan to be repaid, and then cancel other documents after the bank confirms repayment.

If you pay off all the loans in advance, you can go to the real estate trading center to go through the mortgage cancellation procedures and take out the real estate property certificate with the application form for prepayment, his right certificate and the original ID card issued by the bank.

Two. Precautions for advance payment

1. Don't forget to surrender and release the mortgage before prepayment.

The lender settles all the final payment in advance, and the bank will issue a settlement certificate. Therefore, the lender can bring the original loan settlement certificate, the original insurance policy and the original invoice issued by the bank, call the relevant insurance company and make an appointment to surrender.

We must pay attention to this. Many homebuyers think that paying back the money from the bank is over. Actually, they are not. If you don't go to the property rights center to apply for cancellation of mortgage registration, your property is still mortgaged and cannot be traded. So I suggest you cancel the mortgage registration after paying off all the money.

2. You don't have to pay the provident fund first.

Provident fund loans, do you need to pay off the provident fund loans before applying for early repayment of commercial loans? Relevant professionals said that only the money in the provident fund account must be used to pay off the provident fund loan first.

In other words, if it is other self-owned funds, you can decide whether to use it to repay commercial loans or offset provident fund loans first according to your personal preferences and needs.

3, owing on the loan in advance must ask clear requirements.

Most banks have the requirement of prepayment. Some banks stipulate that they can apply for early repayment at least one year after repayment, but some banks say they can apply for early repayment at any time.

Among the state-owned banks, China Bank and China Construction Bank need to repay the loan one year in advance to apply for prepayment, while ICBC needs to repay the loan six months in advance. In addition, it takes one year for banks such as China Merchants Bank and Bank of Communications to apply for prepayment, while Huaxia Bank said it can apply for repayment at any time.

In addition, it should be noted that some banks need lenders to pay a certain prepayment penalty. In this regard, the regulations of banks are different. I suggest you consult the bank in advance.

If all property buyers have plans to repay the mortgage in advance, then communicate with the bank before signing the purchase contract to clarify the time and amount requirements in advance. In addition, there are many ways to repay the mortgage in advance. You can choose to pay off all the loans at one time, or you can choose to pay off a part to shorten your repayment period, or you can pay off a part, but the loan period remains the same and the monthly repayment amount is reduced.

Can I repay the house I bought with a loan in advance?

1. If the mortgage is repaid in full in advance, it is not necessary to pay off part of the interest in advance, but a penalty (handling fee) of 1% is required;

2. Partial prepayment. Interest is not required for prepayment, only 1% penalty is required, and the remaining loan interest is recalculated.

3. If it is a credit card prepayment, the handling fee will still be deducted, so prepayment is not recommended.

Extended information:

20 13 Calculation Method of Housing Mortgage Loan

Which is the cheapest bank housing loan? My answer is that no one saves money, mainly to see which repayment method is more suitable for you.

Now more and more young people will buy houses. If they need commercial loans, the latest mortgage calculator 20 13 has become a compulsory course for buyers. However, many buyers still don't know how to use the mortgage calculator. Commercial housing mortgage loan calculator Do you know that the interest rate of individual housing loans is far lower than that of ordinary loans? Is it cost-effective to repay the loan in advance?

At present, the latest housing loan calculator provided by this website also provides two repayment methods: average capital repayment method and equal principal and interest repayment method. When using, you only need to choose the corresponding loan method, fill in the corresponding loan amount, choose the loan term and choose your own repayment method.

The monthly mortgage payment can be calculated according to the latest loan interest rate. After the calculation of mortgage calculator is completed, you can also view the detailed repayment information.

According to the comparison between the average capital repayment method and the equal principal and interest repayment method, the most suitable repayment method can be selected. If necessary, you can also modify the annual interest rate according to the actual situation.

Property buyers must sign relevant mortgage contracts with banks when applying for mortgages. One of the important clauses in the contract is the agreed interest rate clause.

Mortgage contracts are mainly divided into monthly interest rate adjustment and annual interest rate adjustment. Monthly interest rate adjustment is to implement the new interest rate standard from the next month after the central bank's benchmark interest rate changes; Annual interest rate adjustment refers to the implementation of the new interest rate standard on New Year's Day next year after the central bank's benchmark interest rate changes.

1 10,000 loan for 20 years, and the monthly payment decreased by 297.83 yuan. If oral calculation is troublesome, you can use the latest housing loan calculator version 20 13 to solve your problem easily.

Due to different loan interest rates and different preferential discounts, the actual reduced monthly supply will be different. Calculated an account with the latest mortgage calculator. The loan is 6,543,800 yuan, with a loan term of 20 years, and the repayment method of equal principal and interest is adopted.

If you enjoy the benchmark interest rate, the monthly payment is now 7783.03 yuan (the interest rate before adjustment is 7.05%), and from next month, the monthly payment will be reduced to 7485.20 yuan (the adjusted interest rate is 6.55%), that is, 297.83 yuan per month.

Is it worthwhile to prepay now?

At present, the annual interest rate of mortgage loans for more than five years is 6.55%, which is 4.585% after 30% discount; The corresponding five-year deposit has an annual interest rate of 4.75%, and the deposit and loan interest rates are upside down. Therefore, if the latest mortgage calculator is used to calculate, prepayment is not cost-effective.

Experts remind everyone that many old mortgage customers have consulted about the change of monthly supply, and some customers have calculated it themselves. However, before figuring out the repayment amount, the customer had better repay according to the previous amount, so as to avoid the insufficient repayment amount and affect the personal credit record.

Can I repay the house loan in advance? How to return it?

1. First of all, the borrower calls the customer service phone of the loan bank and asks if it can repay the loan in advance. If possible, the borrower should make an appointment with the bank to submit the repayment.

2. After the appointment, the borrower prepares the materials needed for prepayment and applies for prepayment at the loan bank at the agreed time.

3. After the approval of the bank, the borrower shall go to the bank to handle the relevant formalities of prepayment according to the instructions of the staff.

4. The borrower shall deposit sufficient repayment amount into the repayment account of the bank as required by the bank.

In addition, there are some precautions for prepayment:

1. Know your current repayment situation: if you have money, you don't need to repay in advance. If the borrower wants to prepay, you need to know whether he meets the requirements of prepayment, especially for friends who enjoy preferential interest rates and provident fund purchase policies. It's not worth paying in advance.

2. Find out whether the bank has liquidated damages for prepayment: If the buyers want to prepay, they need to know the requirements of the bank for prepayment, because some small and medium-sized joint-stock banks now have liquidated damages for prepayment. However, if it is a large state-owned bank, there may be no penalty interest, but there are also different degrees of liquidated damages. Whether it is penalty interest or liquidated damages, it will be stated in the loan contract.

3. Prepare the documents required for prepayment and make an appointment with the bank: after the buyers know that they can prepay, they need to apply to the bank for prepayment. Most banks require borrowers to submit written or telephone applications 15 working days in advance. After receiving the lender's application to repay the mortgage in advance, the bank needs to carry out relevant examination and approval, which usually takes about one month. The borrower who prepays needs to bring relevant materials to the bank for approval, including the borrower's ID card and loan contract. Of course, the requirements of each bank will be different, and the specific materials to be prepared need to be consulted in advance.

4. Is there a better financial channel: If the borrower has his own financial channel, it should be noted that the mortgage interest rate is the lowest among bank loans today, so the borrower should calculate whether it is cost-effective to repay in advance. For families with financial channels, they can use idle funds to make profits, and the income may be greater than the interest saved by repaying the loan in advance, but it should be noted that financial management also has risks.

5. There is no need to repay the provident fund first: for borrowers who buy a house with a portfolio loan, there is no need to repay the provident fund first, that is, they only need to pay off the provident fund loan with the money in the provident fund account first. If the borrower has other funds, he can decide whether to repay the commercial loan or offset the provident fund loan first according to his personal preferences and needs.

6. Don't forget to cancel the mortgage registration after repaying the loan: After paying off the loan in advance, the borrower still needs to cancel the mortgage registration, which is very important for buyers, because when buying a house with a loan, the real estate license is mortgaged to the bank. When paying off the loan, you must remember to get back the real estate license on time and cancel the mortgage registration.

What should I do if I want to repay in advance after buying a house with a loan?

1. If you apply for prepayment of personal housing commercial loans in China Bank, you can apply for prepayment according to the conditions agreed in the contract, but you must submit a written application to the lender in advance and get the approval of the lender. Note: The loan contract clearly stipulates the conditions to be met for prepayment and the number of days to apply for prepayment. 2. If repayment is made in advance, you must go to the customer's loan outlet for prepayment procedures. As prepayment requires approval, customers are advised to apply at the handling outlets as soon as possible. The expenses for prepayment shall be implemented according to the loan contract.

The above contents are for your reference. Please refer to the actual business regulations.