Mortgage loans generally have 1 to 2 early repayment opportunities each year, but you need to apply in advance, and the repayment amount may be limited. Different banks have different regulations. How many times can you repay a mortgage in advance? You also need to check the regulations of the lending bank. You can consult the bank's credit manager.

Generally speaking, there is no limit on the number of early repayments within the repayment period, but some banks stipulate that you can apply for repayment once a year, and some banks stipulate that you can apply for early repayment twice a year. At the same time, some banks require borrowers to repay the loan for one year before they can apply for early repayment, and some banks only require the borrower to repay the loan for half a year before they can apply for early repayment.

Extended information:

The borrower must repay the loan principal and interest on a regular basis for 6 months before he can propose to repay part of the loan or all of the loan in advance for the first time. In order to strictly manage the loan, the lending institution has set a minimum limit for early repayment of part of the loan, which generally requires more than 10,000 yuan.

Borrowers generally need to inform the lending institution 10 or 15 days in advance to repay the loan in advance, and must present the original loan contract, bank loan savings card, monthly repayment capital and interest schedule, personal ID card and other information Submit a written application to the lending institution, which must be reviewed and approved. The borrower still needs to repay the original monthly loan principal and interest repayment in the current month, and at the same time, the loan amount that needs to be repaid in advance is deposited into the bank savings card.