First, how to repay the portfolio loan in Chongqing
What is a portfolio loan? Portfolio loan generally refers to a loan method for users who meet the conditions of both commercial loan and housing provident fund. Generally, when the loan amount of housing provident fund is insufficient, portfolio loans will be chosen, which can not only have a lower loan interest rate, but also enjoy the preferential policies of local portfolio loans.
65438+
2. If both the borrower and the spouse have paid the housing provident fund, one party may choose to entrust the deduction for repayment, while the other party still applies for withdrawing the provident fund to repay the operating loan once a year according to the original regulations. Borrowers and spouses can choose according to their own situation and needs.
Second, can portfolio loans be repaid in advance in Chongqing?
1. My borrower can only propose to repay part or all of the loan in advance for the first time after repaying the principal and interest of the loan for six months on a monthly basis;
2. For strict loan management, its lending institutions set a limit for the prepayment of some loans, which generally requires an integer of more than 654.38+00,000 yuan.
3. The borrower generally needs to notify the lending institution 15 days in advance to repay the loan in advance, and must submit a written application to the lending institution with the original loan contract, the bank repayment savings card, the monthly repayment statement of principal and interest, my ID card and other materials (the provident fund loan is applied to the housing fund management department, and the bank commercial housing loan is applied to the lending bank), and it is approved by it;
4. The borrower still needs to repay the original monthly loan principal and interest repayment amount in the current month, and at the same time deposit the loan amount to be repaid in advance into the bank savings card.
5. After confirmation, the lending institution will recalculate the loan balance and repayment period after repaying part of the loan in advance according to the interest-bearing repayment method determined in the original loan contract, and re-sign the Loan Modification Contract with the calculation principle of "interest first, capital later, equal monthly decrease, shortening the repayment period".
6. Whether repaying part of the loan in advance or repaying all the loans in advance, the borrower must go to the bank for prepayment transfer within the time specified by the lending institution.
What we have introduced above is how to repay the portfolio loan in Chongqing and whether it can be repaid in advance in Chongqing. We can repay the loan in advance now, but some banks also have certain prepayment conditions. You can look at the content of this article in detail, hoping to help you.