If CCB chooses to shorten the repayment period in advance, it is equivalent to renegotiating the repayment method and repayment period, and modifying the loan contract requires the approval of the bank. Moreover, the relevant policies of each branch may be different, so you'd better ask the local Construction Bank first.
Moreover, individuals want to repay their mortgages in advance, and they cannot directly repay them in advance. Before repayment, you need to apply to the loan bank 15 working days or 30 working days in advance (subject to the bank's regulations), and the bank can go through the relevant procedures for repaying the mortgage in advance only after it agrees.
What procedures do you need to apply for a mortgage in CCB?
1. The borrower applying for a loan shall fill in the borrower application form at the agency of CCB or the developer who signed the Cooperation Agreement with CCB. However, the following information is required:
(1) My household registration book, ID card or other valid proof of residence;
(2) my occupation and income certificate;
(3) Relevant certification materials such as purchase contract or letter of intent;
(4) Other materials required by the agency of China Construction Bank.
2. The next step is to investigate the agency of CCB or the law firm entrusted by CCB, and conduct a detailed investigation on the materials provided by the borrower.
3, CCB agencies to approve the borrower's application.
4. The borrower needs to open an account, apply for a savings card and sign a loan contract.
5. Handle mortgage, insurance, guarantee, pledge and other related guarantee procedures.
6. The borrower's contract takes effect and the funds are transferred to the developer's account.