The loan of China Construction Bank and Sino-German Housing Savings Bank can be repaid in advance, but the penalty should be paid.

1. Any prepayment of mortgage loans less than three years will be punished.

2. If the loan is less than 1 year, the penalty for mortgage loan is 3% of the prepayment amount;

3. The penalty for mortgage payment in1-2 years is 2% of the prepayment amount;

4. If the mortgage loan has been repaid for 2-3 years, a penalty of 65,438+0% of the prepayment amount will be paid in advance.