1. Users need to apply for repayment in advance. The bank will review the application after receiving it, and the results will not come out immediately. Take mortgage as an example, it usually takes one month in advance and you should be patient. 2. If there is a clear stipulation on prepayment in the loan contract, if the other party still delays repayment, the user can complain to the head office, and if the head office does not handle it, he can complain to the CBRC. 3. Users can choose a relatively suitable time to dig sheds when applying for early repayment of loans. For example, it is more difficult to apply at the end of the year, because it is directly related to business assessment, so it is common to be dragged. In addition, if you need to pay liquidated damages for repaying the loan in advance, and the related expenses are similar to those for repaying the loan on schedule, then users can also consider repaying the loan on schedule, and the prepared repayment amount can also be used for other purposes as required, such as investment.

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I. prepayment process: 1. Check the requirements of prepayment in the loan contract and pay attention to whether it is necessary to pay liquidated damages; 2. Prepare the materials needed for early repayment and submit the application for early repayment to relevant departments; 3. Submit the prepayment application form and deposit the prepayment in the counter.

2. Early repayment refers to the part paid by the borrower that exceeds the monthly principal and interest payment. The prepayment without fully paying off the mortgage loan is called partial prepayment. Through contractual arrangements, it is forbidden to repay in advance within the agreed time limit, which is called lock-up period. The lock-up period is 2- 10 years. After the lock-up period, the guarantee of prepayment usually adopts other methods, such as prepayment penalty or rate of return maintenance fee. Early repayment includes full repayment in advance, partial repayment with unchanged loan term and partial repayment with shortened loan term. The loan bank can only accept the application for prepayment of personal loans from the second repayment month. Although prepayment can save interest expenses, there are four types of buyers who are not suitable for prepayment.