1. In order to repay the loan in advance, the lender must repay the loan for half a year or 1 year before applying for prepayment; 2. After the borrower needs to apply in writing, he/she should carry his/her ID card and loan contract for prepayment; Don't forget to cancel the mortgage after the mortgage is paid off. The borrower should bring the real estate license and settlement voucher to the district housing construction committees to understand the mortgage situation.

What should I pay attention to when repaying the loan in advance?

1. Make an appointment with the loan bank in advance.

If you want to repay the loan in advance, it is not your decision, but you need to get the approval of the bank. Only after approval can the loan be repaid in advance. Therefore, if you plan to repay the loan in advance, you'd better make an appointment with the loan bank in a few days.

2. Repay the loan fee first.

If you want to repay the loan in advance, the bank will charge a certain fee, which is called liquidated damages. Different banks have different standards for collecting liquidated damages, and buyers can consult loan banks first. No matter how high the penalty is, it will not be cost-effective.

There is a limit to the amount of prepayment.

If part of the mortgage is repaid in advance, there is a limit, not how much the lender wants to repay. Generally speaking, the minimum repayment amount is 6.5438+0 million yuan, and the repayment amount is an integer multiple of 6.5438+0 million yuan.

4. Ask to repay the loan in advance.

Most banks have requirements on the time of prepayment, for example, they must repay for one year before they can apply for prepayment. Therefore, if the repayment time does not meet the requirements, then you cannot apply for early repayment.

5. There are many requirements for prepayment of portfolio loans.

If you use a portfolio loan, there are many requirements for repaying the loan in advance. Many people thought they could repay the commercial loan first, but they were rejected. Because when the portfolio loan is repaid in advance, it is necessary to maintain a certain proportion, not just one, which we should understand.

Bian Xiao concluded: The above is the provision on prepayment of house purchase loan, and I hope it will help everyone! In fact, it is not a good thing to repay the loan in advance, if there are extra funds that can be used for investment and financial management.