The bank repays the mortgage penalty in advance.
I. China Merchants Bank
If the prepayment is less than one year, the interest shall be charged for not less than three months, and if the prepayment is over one year, the interest shall be charged for not less than one month.
Second, China Construction Bank.
If the prepayment is less than one year, 3% of the prepayment amount will be charged. If the loan is repaid in advance for one to two years, 2% of the prepayment amount will be charged. The loan is repaid in advance for two to three years, and one percent of the prepayment amount is charged.
Three. agricultural bank
If the prepayment is less than one year, it will be charged according to the principal multiplied by the monthly interest rate, that is, the loan interest rate divided by 12 months minus the repayment months. Repay the loan in advance after one year, as long as there is no record of prepayment before, there will be no penalty. If the repayment has been made in advance, the applicant will not be fined if he applies again one year later.
Four. Industrial and Commercial Bank of China
If the prepayment is less than one year, 5% of the prepayment amount will be charged as liquidated damages. If the loan is repaid in advance after one year, no penalty will be charged.
Verb (short for verb) Bank of China.
If the prepayment is less than one year, a penalty interest of no more than six months will be charged (calculated according to the loan interest rate on the prepayment date). If the loan is repaid in advance after one year, no penalty will be charged.
6. Bank of Communications
When repaying the mortgage in advance, it is stipulated that part of the prepayment shall not be less than 6 times of the monthly repayment amount, but not more than 35% of the monthly repayment amount, and part of the prepayment may be repaid once a year for free. All prepayments are subject to liquidated damages, and 65438+ 0% of the current repayment amount is charged. However, the specific repayment amount needs to be implemented in accordance with the contract.
Seven. Guangdong Development Bank
If the prepayment is less than one year, two months' interest will be charged as liquidated damages. Repay the loan in advance after one year without any penalty.
8. China Everbright Bank
When repaying the mortgage in advance, if the loan is repaid less than one year in advance, 3%~6% interest will be charged as liquidated damages, which shall be implemented in accordance with the contract. Repay the loan in advance after one year without any penalty.
Nine, Shanghai Pudong Development Bank
When repaying the mortgage in advance, if the loan is repaid less than one year in advance, different interest rates of 1.5% or 3% will be charged, and some will be charged according to the contract. Repay the loan in advance after one year without any penalty.