Bank of China: Apply in writing 30 working days in advance.
Industrial and Commercial Bank of China: Lenders need to apply in writing 30 working days in advance, and the lower limit of prepayment is 6 times of the normal monthly repayment amount.
Agricultural Bank: A written application is required 7 working days in advance, and the application can only be made one year after the loan is issued. The lower limit of early repayment is 6 times of normal monthly repayment.
China Construction Bank: The borrower submits a written application for prepayment to the bank 10 to 15 working days in advance, and the prepayment after one year will not be accepted without penalty interest; Special circumstances (such as relocation, monetization of funds, etc.) can be considered, but one month's interest at the same rate is required; If the loan term is more than one year, during the loan period, the borrower can repay part of the principal or pay off all the loan principal and interest in advance with the consent of the loan bank after submitting a written application for prepayment to the bank, and the part paid off in advance will no longer bear interest in the future, and the loan interest charged before will no longer be adjusted. If all the loans are paid off in advance, with the consent of the loan bank, interest will be charged according to the interest rate agreed in the contract, the loan balance and the actual number of days occupied.
Bank of Communications: The prepayment amount shall not be less than 6 months repayment amount.
Minsheng Bank: Since the second repayment month of personal loans, borrowers can apply in writing for early repayment.
Bank of Beijing: During the loan period and within one year after the loan is issued, with the consent of the bank, you can apply in writing to repay part or all of the loan in advance.
How many times can I repay the loan in advance? After one year of normal repayment, the bank loan can be repaid in advance in part or in whole, and the number and amount of prepayment are not limited (unless it is agreed in the loan contract). Compensation for prepayment (i.e. liquidated damages) shall be implemented according to the loan contract.
In addition, by the way, the related problems after prepayment: if part of prepayment is made, the loan principal will be reduced, and the total interest will also be reduced after the principal is paid off. Monthly payments or years will be recalculated. If the number of years is selected, the monthly payment will be reduced after recalculation; If the monthly payment remains unchanged, the repayment period will be reduced. Then you can choose.
How many times can a house repay the loan in advance? There is no interest on the prepayment. Before, there were basin friends who repaid in advance after Rong Feng Garden, and the interest was much less, but I have already paid more than half of it, so don't mention it.
Provident fund loan to buy a house and repay the loan in advance is a one-time repayment. Can I return it in several installments? Pay it back early if you have money. The interest in comparison is still very high. If you have no money, pay it back slowly. It still depends on your personal economic level.
Can I borrow money to buy a house if the mortgage has not been repaid, such as in China Merchants Bank? The down payment ratio and loan amount of housing loans should be subject to local regulatory policies. It is recommended to consult the account manager of the local branch in detail.
Can I buy a house with a bank loan? You have to pay the down payment yourself, and you can't borrow money from the bank. Especially in the current situation of real estate regulation, banks can't let you buy a house with zero down payment. Banks can borrow up to 80% of the house price.
Can I repay the mortgage in advance? For example, when I repay my mortgage or mortgage in advance at China Merchants Bank, I generally need to go to the handling bank or the local post-loan service center. Regarding the agreement on prepayment of mortgage, such as appointment, handling, cancellation, deduction time, prepayment amount/term, and whether there is penalty/fee/penalty interest, you can check your loan contract or directly contact the loan handling bank or the local post-loan service center for confirmation!
Can I manage money by buying a house with a loan? The conditions for applying for a loan from mortgage to buy a house are as follows:
1,18-a natural person aged 65;
2. Hold a valid ID card;
3. Good credit information and no bad records;
4. Have a stable job and a stable income;
5. Commercial housing sales contract or letter of intent with the purchased house;
6. Have the ability to pay the down payment of the purchased house;
7. Open a personal settlement account in a bank with effective guarantee;
8. Other conditions stipulated by the bank.
Can I still borrow money to start a business after I have borrowed money to buy a house?
1, personal identification: ID card, residence permit, household registration book, marriage certificate and other materials;
2. Provide stable proof of address: such as house lease contract, water and electricity bill, property management and other relevant certificates;
3. Provide proof of stable income source: bank flow sheet, labor contract, etc.
4. Other information stipulated by the bank.
Be careful and compare more. We can observe it slowly for a while before making a decision. When starting a business, we must persist and persevere. Persistence and hard work are also very important, and there are ways to actively deal with difficulties, which will get better and better.