There are two ways to make an appointment to repay the loan in advance: telephone appointment and counter appointment. Usually, you can make an appointment for the next day's repayment the day before you are ready to repay. It should be noted that the repayment should be an integer multiple of 10,000, 1.
Determine whether you can prepay. In the loan contract signed by buyers and banks, there will be requirements for early repayment. For example, it takes one year or half a year to repay, and the repayment amount needs to be an integer multiple of 5000 yuan or 10000 yuan. Property buyers must first see whether they meet these conditions.
2.
After confirming that they have the requirement of early repayment, buyers need to make an appointment for repayment by phone or at the personal loan center of the loan bank. Prepayment is more than just taking money to the bank. The bank will arrange time for the lender according to the number of people who have recently repaid in advance. Under normal circumstances, the time to make an appointment for repayment is within one month. If the transaction volume of the property market is very good and there are many people who repay in advance, it is normal to make an appointment for more than one month.
3.
Deposit the money in the loan repayment bank card in advance. After the repayment time is agreed, the mortgage to be repaid can be deposited into the bank card for repayment before the repayment time.
4.
Prepare materials and fill in the application form for prepayment. At the agreed repayment time, bring your ID card and loan contract to.
2. How long can I apply for early repayment after normal repayment of Huai 'an Agricultural Bank mortgage? Do you charge liquidated damages?
Our family also belongs to the Agricultural Bank of China. I don't know when I can prepay, but I know that the prepayment amount is above 1 10,000, so I can make an appointment to prepay the principal, and the handling fee charged is 1%. See the answer details on Wang Huai | Huaishui An Lan website >>
Third, how to make an appointment to repay the loan in advance
The prepayment appointment of CCB mortgage can be operated in mobile banking, and the specific operation steps are as follows: operating environment: brand model: iPhone 13 system version: iOS 15.3. 1app version: v5.6.7.00 1. Customers can find their own mortgage loan on the loan page and choose the prepayment application option. Just select the prepayment type, prepayment amount and scheduled deduction date, and then submit the application. After that, the CCB system will conduct an audit, and after the audit passes, it will generally send a message to inform the customer. At that time, the customer can ensure that there is enough funds in the repayment bank card bound by the mortgage, and the system will automatically deduct money from it on the scheduled repayment date. After the system completes the deduction, CCB will also send a message to remind customers that their mortgage repayment is successful in advance. China Construction Bank provides credit fund loans, residents' savings deposits, foreign exchange business, credit card business, policy-based housing reform finance and personal housing mortgage loans. Personal housing loan business refers to loans issued by CCB or natural persons entrusted by CCB to purchase, build and overhaul various types of housing in Chinese mainland cities and towns. CCB's personal housing loan business mainly includes personal account housing loan and personal housing mortgage loan (including personal first-hand housing loan, personal second-hand housing loan, second-hand housing loan, personal commercial housing loan and personal housing mortgage loan). ), provident fund personal housing loans and personal housing portfolio loans. China Construction Bank, as a state-owned bank that set foot in issuing credit cards earlier in China, has many kinds of credit cards. The credit cards issued by China Construction Bank are all named "Longka". The publicly issued dragon cards include: Dragon Card Campus Card, Dragon Card Business Card, Dragon Card Automobile Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, China Construction Bank VISA Card, Yilong Changxing Dragon Card, Mango Travel Dragon Card and Dragon Card (Cup) Tennis Card. CCB Silver Star International Express Remittance Service is a personal international express remittance service jointly launched by CCB and Silver Star International Express Remittance Company. It refers to the small-scale international remittance business that CCB accepts the entrustment of customers to remit personal foreign exchange remittances or personal foreign exchange funds abroad through Yinxing Express Company.
Fourth, how to make an appointment in advance for housing loans and how to operate them?
The borrower directly goes to the loan bank to apply for early repayment, and the bank will collect part of the liquidated damages. Pay attention to the following matters when handling mortgage prepayment: 1. Banks allow prepayment at different times. Most banks can apply for early repayment after one year of repayment, and some banks can repay loans in advance at any time. Pay attention to the repayment time of the loan bank when repaying the loan in advance; 2. The loan term of general mortgage is more than 65,438+00 years. During this period, it is inevitable for banks to adjust interest rates. If they are in the interest rate cut channel, it is obvious that the faster they adjust, the more cost-effective. 3. Whether the loan is repaid in advance or according to the contract, the mortgage registration must be cancelled after the loan is paid off.