1. You can contact Ping An Pratt & Whitney Customer Service for consultation. Ping An Pratt & Whitney Customer Service Tel: 10 100000. Log in to Ping An Pratt & Whitney Loan official website through the computer, find the order that needs to be returned in advance in the personal loan account, and return the remaining loan principal, interest and prepayment penalty according to the amount prompted by the system.

2. prepayment may result in a part of liquidated damages, and the prepayment policy of each loan product is different. This requires the lender to consult the relevant information of liquidated damages before prepayment. ?

3. If prepayment is selected, the lender needs to check the loan balance and the original loan contract signed before. Interest varies according to different interest rates in business districts, basically between 4-5%, and there will be fluctuations in special business districts. Deposit the amount to be repaid into the current account of the loan card, and then repay it in an account.

Extended information: preventive measures for advance payment

1. Is there a handling fee for prepayment?

When a lender applies for a loan, it will generally sign a loan contract with a bank, and there will be some relevant provisions of "charging fees for early repayment", so there is a legal basis for banks to charge fees for early repayment. The bank may charge a certain fee. Therefore, when you want to repay the loan in advance, you must ask in advance whether the bank has any charges and other issues.

2. Do I need to pay liquidated damages for prepayment?

In fact, the bank's regulations on early repayment are limited by years. If the lender's loan contract takes effect less than one year, it is best not to apply for early repayment, because the bank may charge one more month's interest as liquidated damages according to the amount of early repayment by the lender and the specific loan interest rate.

Therefore, when considering prepayment, you should choose the right time, otherwise you will spend an extra month's interest and waste some money.

3. Go through the formalities of repaying the loan in advance

Lenders who are prepared to repay the loan in advance also need to go through certain legal procedures and must submit a written application one week to one month in advance; And you need to agree on a specific repayment time. During this period, the lender will also bring some necessary documents, such as ID cards and loan contracts, and go to the bank to fill out the repayment application form and repayment agreement in advance.

It should be noted that all the repayment money should be deposited in the designated passbook or bank card. Don't make a mistake, otherwise the bank will not automatically deduct the money, so it can't be considered as early repayment.

4. Is there a frequency limit for repaying loans in advance?

Another problem that lenders need to pay attention to is that when applying for prepayment, they must ask the relevant banks in advance whether there is a limit on the number of prepayments. According to this specific situation, we will determine whether it is necessary to repay the loan in advance, take a long-term view and consider the future repayment problem.

Reference source: Baidu Encyclopedia-prepayment