The following is online information. The author can use it as a reference but not as a basis. I hope it can help you.

China Merchants Bank

If the loan is repaid in advance within one year, interest will be charged for no less than three months on the actual repayment amount.

If the loan is repaid in advance after one year, an interest rate of no less than one month's interest on the actual repayment amount will be charged.

China Construction Bank

If the loan is repaid in advance within one year, 3% of the prepayment amount will be charged.

If the loan is repaid in advance within one to two years, 2% of the early repayment amount will be charged.

If the loan is repaid in advance within two to three years, 1% of the early repayment amount will be charged.

Agricultural Bank of China

Early repayment of a loan less than one year will be charged based on the principal multiplied by the monthly interest rate. The monthly interest rate is the loan interest rate divided by 12 months minus the repayment month. number.

If the loan is repaid early after one year, as long as there is no previous record of early repayment, no penalty will be charged. If you have already taken early repayment and apply again after one year, no penalty will be charged.

Industrial and Commercial Bank of China

If the loan is repaid in advance within one year, 5% of the prepayment amount will be charged as liquidated damages.

If the loan is repaid early after one year, no penalty will be charged.

Bank of China

If the loan is repaid in advance within one year, a maximum of six months interest penalty (calculated based on the loan interest rate on the date of early repayment) will be charged.

If the loan is repaid early after one year, no penalty will be charged.

Bank of Communications

Partial early repayment stipulates that the minimum loan repayment cannot be less than 6 times of the monthly repayment, and the maximum cannot exceed 35% of the monthly repayment. Partial early repayment You can repay the loan once a year for free.

All early repayers are required to pay liquidated damages, which is 1% of the current repayment amount. However, the specific repayment amount must be implemented in accordance with the contract.

Guangfa Bank

If the loan is repaid in advance within one year, two months' interest will be charged as liquidated damages.

No penalty will be charged for early repayment after one year of the loan.

China Everbright Bank

If the loan is repaid in advance within one year, an interest of 3% to 6% will be charged as liquidated damages. The specific provisions shall be implemented in accordance with the contract.

No penalty will be charged for early repayment after one year of the loan.

Shanghai Pudong Development Bank

If the loan is repaid in advance within one year, different interest rates of 1.5% or 3% will be charged. Some may not charge liquidated damages. The amount stipulated in the contract will be charged.

If the loan is repaid in advance after one year, no penalty will be charged

Shenzhen Development Bank

Generally speaking, you can apply after the loan has been repaid for more than two years. Early repayment of the loan shall be carried out according to the stipulations in the contract at that time.

If the loan is repaid in advance within two years, the liquidated damages agreed upon when signing the contract will be paid. If there is no agreement, no penalty will be charged.