The process of prepayment of mortgage loan by rural credit cooperative banks;

1. Make an appointment with the bank account manager in advance;

2. Bring your ID card to the bank outlet to handle the loan business according to the appointment time;

3. Early repayment requires payment of liquidated damages. It is stipulated that partial prepayment should be at least 6 times of the monthly repayment amount and at most 35% of the monthly repayment amount. Partial prepayment can be repaid free of charge once a year. All prepayment requires payment of liquidated damages, and the loan is repaid one to two years in advance, and 2% of the prepayment amount is charged; If the loan is repaid two to three years in advance, 65438+ 0% of the prepayment amount will be charged. However, the specific repayment amount needs to be implemented in accordance with the contract.