It depends on the loan contract signed with the bank. There should be a clear stipulation in the contract. It is best to go to the loan bank for consultation.

According to the time of mortgage application, there are three ways for CCB to collect liquidated damages:

1. If the loan is less than one year and needs to be repaid in advance, a handling fee of 3% of the prepayment amount will be charged.

2. If the loan time is between 1 and two years, it needs to be repaid in advance, and a handling fee of 2% of the prepayment amount is charged.

3. The loan needs to be repaid in advance for two to three years, and a handling fee of 1% of the prepayment amount will be charged.

However, the rules of branches in different regions may be different. It is recommended to check the terms in the loan contract or contact the loan processing outlets for verification.