I have dealt with this, so I have some experience and even lessons. The above netizens said something, but they were all incomplete or wrong. Say it for your reference, in case it is calculated by an unjust person.

1。 Ask the loan bank whether it is possible to repay the loan in advance, and you can consult by telephone;

2。 If prepayment is agreed, the lender shall go to the bank with ID card (temporary residence permit is required for foreign buyers), loan contract and other documents;

3。 Fill in the application form and submit the application for prepayment;

4。 According to the requirements of the bank, deposit sufficient repayment amount into the repayment account of the bank;

5。 Go to the bank to sign relevant documents; Get back his right certificate, the certificate of full repayment of the loan, the original mortgage insurance contract, the relevant documents of the real estate license and some documents to cancel the mortgage;

Note: In this process, you should remember to get back the original insurance contract of mortgage loan. In this process, some banks played tricks, colluded with insurance companies and deliberately refused to give the original insurance contract. When you return the insurance money afterwards, you need to ask the bank for the original insurance contract. The bank will say that you have signed it and taken it away, but it will not admit it. You will suffer losses, and in order to surrender, you have to declare in the newspaper that you have lost your original insurance policy, which is quite laborious. Many people don't surrender their insurance because they are afraid of trouble. Insurance companies have gained huge ill-gotten gains, and of course bank-related personnel will also benefit.

6。 Go to the real estate management department (such as the district and county housing authority) to go through the mortgage cancellation procedures, and the real estate department will take back his right certificate and stamp your real estate license, indicating that the mortgage has been cancelled.

7。 When the insurance company going to apply for insurance returns part of the insurance money, it should provide the original and photocopy of the mortgage insurance policy contract, the invoice of the insurance policy, the certificate that the bank has paid off the loan, the ID card and other documents, and then fill out the form to receive the remaining insurance money after settlement.

8。 After the application for early repayment of the loan is filed, it only takes a few working days at the earliest and can be completed within one month at the latest.

9。 During the processing, the bank staff will make an appointment with you by telephone in time to inform you of the next processing procedure.

10。 This process generally does not charge any fees. Some banks may charge some liquidated damages for your early repayment, which are proposed by the bank when negotiating with the bank for early repayment. It is understood that banks generally do not charge liquidated damages to ensure the safe recovery of loan funds.

How to repay the mortgage in advance, what procedures and materials are needed?

Let's see if there is an early repayment agreement in your loan contract. If there is, just follow the agreement. If not, make an appointment by phone first, bring your ID card, seal, loan contract, etc. until the bank can handle it.

How to handle the formalities of repaying the loan in advance?

Early repayment means that the borrower applies to the bank to repay part of his loan in advance, and guarantees that the loan will be repaid in the current month without being overdue last month; Pay off all or part of the loan in one lump sum according to the date stipulated by the bank. According to the regulations of the bank, customers need to submit a written application one week to one month in advance to agree on the repayment date. 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 loan repayment agreement in advance, and deposit the money to be repaid into your account where the principal and interest of the loan are withheld 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 regulations can use 1,000 yuan to repay the loan in advance. 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. Another thing to note is: 1 If there are both commercial loans and provident fund loans, commercial housing loans with high interest rates should be repaid in advance. 2. After retirement, try to repay the loan in advance. It is very painful to have to tighten my belt to repay the loan after retirement, which is not conducive to improving the family's financial income. 3. If you apply for insurance when you apply for a housing loan, if you repay the loan in advance or shorten the loan period, you can apply to the insurance company for a refund of part of the premium.

How to handle the prepayment procedure?

Don't forget to surrender the loan in advance. After the borrower repays all the loans in advance, the original individual housing loan purchase insurance contract is also terminated in advance. According to the relevant regulations, the borrower can bring the original insurance policy and proof of paying off the loan in advance, and return the premium paid in advance to the insurance company on a monthly basis. It is relatively simple for banks to handle this one-time repayment in advance. Customers are generally required to notify the bank in advance (usually 10 working days to 1 month in advance); The bank calculates the total amount owed by the customer, and designates the customer to pay off the money in the bank and pay the interest of the current month; The bank will send the deed to the law firm designated by the contract, handle the cancellation of the mortgage loan, and register with the real estate management department; After the lawyer has gone through all the formalities, he will inform the owner to take back all the property contracts. Some banks return the real estate license or purchase contract directly to customers as long as the procedures are complete without going through a lawyer.

What if I can repay the loan in advance?

Early repayment requires formalities.

Prepayment policy: Lenders are required to submit a written application to the bank 10 working days in advance. The penalty for prepayment less than one year is 5% of the prepayment amount. After the expiration of one year, the lower limit of the prepayment amount is 6 times of the normal monthly repayment amount, and there is no penalty for prepayment.

I. The Borrower applies for full repayment in advance.

Take my ID card, loan contract and other materials to the housing provident fund provided by the management center of the employer directly under the province to receive the application form for prepayment, then go to the loan bank. After the loan bank verifies that the above materials are correct, go through the prepayment procedures, then go to the provident fund management center to receive the insurance policy and mortgage certificate, and then go to the relevant departments to handle the surrender and mortgage cancellation. 165438+ 0 to 25 of each month.

2. The borrower applies for partial repayment in advance.

Hold my ID card and loan contract until the housing provident fund provided by the employer management center directly under the province receives the application form for prepayment, and after the developer seals and agrees, go to the loan handling bank to handle it. Partial repayment shall be at least 30,000 yuan each time, starting from 165438+ and from the 0 th to the 25 th of each month. For the repayment of some early portfolio loans, the provincial provident fund can choose to repay the provident fund loan or the commercial loan first, and the municipal provident fund will repay the loan in proportion.

What documents do banks need to repay loans in advance?

Let's see if there is an early repayment agreement in your loan contract. If there is, just follow the agreement. If not, make an appointment by phone first, bring your ID card, seal, loan contract, etc. until the bank can handle it. Specific operation flow: First of all, we must clearly understand the provisions on early repayment in the signed loan contract, and pay special attention to whether a certain percentage of liquidated damages is required for early repayment. Second, call the personal loan center of the loan bank to get information about prepayment, contact the salesman or account manager who handles the loan, and ask whether prepayment can be handled and whether an appointment is required. It should be noted that some banks' departments for repaying loans in advance are not in the same place as bank branches, so you must ask clearly before leaving, and at the same time, you must also make clear the materials you need to carry for repaying loans in advance. The third step is to make an appointment. In order to ensure the orderly development of business, most banks require customers to make an appointment in advance, and each branch requires different time and process. The way to make an appointment is to call or go directly to the prepayment execution department. Step 4: Fill in the prepayment application form and submit relevant documents. Documents generally include ID cards, loan contracts signed with banks, etc. The fifth step, the borrower deposits the advance payment, and the bank can deduct it from the loan principal, which can be completed in a short time.

How to handle the formalities of repaying the mortgage in advance?

To prepay, you need to apply for prepayment at a bank outlet in advance. At the same time, there are some prepayment and full prepayment, and the minimum bank standard for some prepayment is 1 10,000 yuan, resulting in penalty interest for some prepayment. They mainly contact bank customers, and the details of each bank are the same. They find personal housing loans to handle, and finally deduct or settle at the counter or bank account.

How to repay the loan in advance

I have dealt with this, so I have some experience and even lessons. The above netizens said something, but they were all incomplete or wrong. Say it for your reference, in case it is calculated by an unjust person.

1。 Ask the loan bank whether it is possible to repay the loan in advance, and you can consult by telephone;

2。 If prepayment is agreed, the lender shall go to the bank with ID card (temporary residence permit is required for foreign buyers), loan contract and other documents;

3。 Fill in the application form and submit the application for prepayment;

4。 According to the requirements of the bank, deposit sufficient repayment amount into the repayment account of the bank;

5。 Go to the bank to sign relevant documents; Get back his right certificate, the certificate of full repayment of the loan, the original mortgage insurance contract, the relevant documents of the real estate license and some documents to cancel the mortgage;

Note: In this process, you should remember to get back the original insurance contract of mortgage loan. In this process, some banks played tricks, colluded with insurance companies and deliberately refused to give the original insurance contract. When you return the insurance money afterwards, you need to ask the bank for the original insurance contract. The bank will say that you have signed it and taken it away, but it will not admit it. You have to keep an eye on the dumb. In order to surrender, you have to declare in the newspaper that you lost your original insurance policy, which is quite laborious. Many people don't surrender their insurance because they are afraid of trouble. Insurance companies have gained huge ill-gotten gains, and of course bank-related personnel will also benefit.

6。 Go to the real estate management department (such as the district and county housing authority) to go through the mortgage cancellation procedures, and the real estate department will take back his right certificate and stamp your real estate license, indicating that the mortgage has been cancelled.

7。 When the insurance company going to apply for insurance returns part of the insurance money, it should provide the original and photocopy of the mortgage insurance policy contract, the invoice of the insurance policy, the certificate that the bank has paid off the loan, the ID card and other documents, and then fill out the form to receive the remaining insurance money after settlement.

8。 After the application for early repayment of the loan is filed, it only takes a few working days at the earliest and can be completed within one month at the latest.

9。 During the processing, the bank staff will make an appointment with you by telephone in time to inform you of the next processing procedure.

10。 This process generally does not charge any fees. Some banks may charge some liquidated damages for your early repayment, which are proposed by the bank when negotiating with the bank for early repayment. It is understood that banks generally do not charge liquidated damages to ensure the safe recovery of loan funds.

How to apply for a loan to return the house in advance, and what procedures are needed?

1. Contact the account manager by phone, verbally ask for early repayment, and make an appointment for relevant repayment time.

2. Deposit the repayment funds into the repayment account in advance, and confirm that the password is accurate.

3. Bring the original loan contract and the borrower's ID card, and go to the bank for prepayment within the agreed time.

4. Repay the loan in advance, according to the loan contract: the bank can punish the monthly payment for one month, and the monthly payment for that month has been paid. You can't do the prepayment process three days before the agreed repayment date, and then you can.

5. After the loan is settled, the loan bank will issue a loan settlement certificate and return it to you together with other certificates of house mortgage. You need to bring relevant documents (ID card of the owner of the house) to the housing management department to get your own real estate license and land use certificate (some local land certificates are taken from the bank).

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I hope the above answers are helpful to you.

What about the prepayment procedure of mortgage?

What are the procedures for repaying the loan in advance?

Generally, you need to make an appointment with the bank before repaying in advance, and you can consult the relevant policies of the loan bank for details. The process of repaying the loan in advance is:

Step 1: First, check the requirements of prepayment in the loan contract, and pay attention to whether it is necessary to pay a certain penalty for prepayment.

Step 2: Call the loan bank in advance to inquire about the application time and minimum repayment amount of the loan and other materials that need to be prepared.

Step 3: According to the requirements of the bank, apply for early repayment in person to the relevant departments.

Step 4: The borrower carries relevant documents to Yindan for prepayment.

Step 5: Submit the prepayment application form and deposit the prepayment in the counter.

Precautions for advance payment:

Don't forget to make an appointment with the bank to repay the mortgage in advance. The waiting time may be as long as one month.

At present, most banks do not charge liquidated damages for repaying loans in advance, but please ask before going through the formalities.

Banks have different restrictions on the number of early repayments and the minimum repayment amount within one year. Please consult in advance.

Remind borrowers that if property buyers pay off the loan balance in advance, they can apply to the insurance company for surrender. When surrendering, you should bring the insurance policy, the loan bank repayment certificate and other relevant documents (the original insurance policy is kept by the loan bank and the copy of the insurance policy is kept by the buyer) to the insurance company to handle the relevant surrender procedures. The refunded premium is: (actually paid premium-the loan amount is the premium that the buyer should pay according to the actual loan period) (1-5%).

Five ways to repay the loan in advance

For property buyers who intend to prepay, they must first understand five prepayment methods:

Early repayment, that is, the customer pays off all the remaining loans at one time;

Some loans are repaid in advance, and the monthly repayment amount of the remaining loans remains unchanged, and the repayment period is shortened;

Partial prepayment, the monthly repayment amount of the remaining loan is reduced, and the repayment period remains unchanged;

Partial prepayment, the monthly repayment amount of the remaining loans is reduced, and the repayment period is shortened;

Individual banks allow borrowers to keep the remaining loan principal unchanged and increase the monthly repayment amount, thus shortening the repayment period.