1, Ping An Pratt & Whitney can prepay in one lump sum. You can contact Ping An Pratt & Whitney Customer Service at 10 100000. There is no limit to the number of times a bank repays the loan in advance, and it can pay off the loan in whole or in part. It's just that the starting amount of each loan repayment is different from bank to bank. Some regulations are 65,438+0,000 yuan or multiples of 65,438+0,000 yuan, and some banks stipulate that the loan can be repaid in advance if it is more than 1000 yuan.

2. Apply for prepayment

Need to check the loan contract, whether it is necessary to pay liquidated damages for early repayment. If there is no need to pay liquidated damages, you can apply for prepayment. Early repayment generally does not require interest on the remaining principal. Inquire about the way of prepayment penalty: Ping An Pratt & Whitney loan can be repaid in advance, but a certain penalty may be paid. Because there are many Ping An Pratt & Whitney loan products, the standards for collecting liquidated damages are different.

3. Method of paying liquidated damages in advance

In many loan contracts, Ping An Pratt & Whitney will indicate the calculation method of liquidated damages for early repayment, just refer to the contract; Call the customer service number of Ping An Pratt & Whitney Loan. Ask the customer service staff to help inquire about the calculation method of product liquidated damages. Operating environment: Ping An Pratt & Whitney version 6.49.0.

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1, repayment

Then, according to the agreed date, bring your ID card and the loan contract signed with the bank to the bank to fill in the loan repayment application form and prepayment agreement, and deposit the money to be repaid into your account for withholding the loan principal and interest according to the requirements of the bank, and the bank will automatically deduct the money. There is no limit to the number of times a bank repays the loan in advance, and it can pay off the loan in whole or in part. It's just that the starting amount of each loan repayment is different from bank to bank. Some regulations are 65,438+0,000 yuan or multiples of 65,438+0,000 yuan, and some banks stipulate that the loan can be repaid in advance if it is more than 1000 yuan.

2. Loans

Some borrowers who repay loans in advance can choose two ways: one is to reduce the monthly repayment amount and keep the repayment period unchanged; The other is to shorten the repayment period and keep the monthly repayment amount unchanged. If the income of the lender keeps increasing, you can choose the repayment method of shortening the loan term and realize the desire of being debt-free as soon as possible. If the income does not increase too much, you can reduce the repayment amount and keep the repayment period unchanged, which will reduce the repayment pressure.