2. Fill in the prepayment application form and submit relevant documents. Documents generally include ID cards, loan contracts signed with banks, etc. Early repayment can be divided into several different ways, all of which are early repayment. It is undoubtedly good to pay off the loan at one time, so that you can pay a lot less interest, but the interest paid is not refundable.
3. Partial prepayment, if the remaining loan not only reduces the monthly repayment amount, but also shortens the repayment period, it can also save a lot of interest; Another way is to reduce the remaining monthly payment, but keep the repayment period unchanged, which can reduce the monthly payment and relieve the pressure; If the remaining monthly repayment amount remains unchanged, the repayment period will be shortened, which can reduce a lot of interest.
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What should we pay attention to in early repayment of ABC's mortgage?
Do not forget to surrender. After the borrower repays all the loans in advance, the original individual housing loan contract of Jiabao will also be terminated in advance. According to the relevant regulations, the borrower can bring the original insurance policy and the proof of paying off the loan in advance to the insurance company to refund the premium paid in advance on a monthly basis, so don't forget to get your money back from the insurance company and the tax department after paying off all the loans in advance.
Don't forget the tax refund. In addition, don't forget to go to the tax department for tax refund, apply for my General Tax Payment Book and repay all the loans in advance, and you can get the real estate license. You should go to the tax department for tax refund within 6 months after completing the real estate certificate.
References:
Baidu encyclopedia-repaying loans in advance