Buying a house with a loan is a form that people will choose now, and it can also reduce the pressure of buying a house, and it is also a way for many people to afford a house. There are many ways to get a loan, and early repayment is one of them. If you have the ability, you can choose to apply for early repayment. What is the method for applying for early repayment? What materials do you need to prepare for early repayment of a CCB loan? Here are the Let’s take a look at the related content.

How to apply for early loan repayment?

1. To find out whether you can repay in advance, you can consult the loan bank, you can consult over the counter or call customer service. If you can repay in advance, you need to prepare all the required materials. : My ID card, loan contract and other materials required by the bank.

2. Go to the bank's early loan repayment management department to apply for early loan repayment according to the information obtained from the consultation. The bank will ask you to fill in an early loan repayment application form. Note that when filling out the application form, you must carefully choose your own early repayment period. Repayment methods currently generally include shortening the repayment period and reducing monthly payments.

3. After submitting the early loan repayment application form, go to the counter and deposit the sufficient repayment amount into the bank's designated account. If you repay the loan early, the bank will generally require the payment of liquidated damages. Each bank has different regulations on liquidated damages. This should be stated in the loan contract. You must read it carefully and calculate it accurately. After repaying the loan, you must ask the bank to issue all The certificate of repayment of the loan shall be stamped and the certificate of other rights shall be obtained.

What materials do I need to prepare for early repayment of a CCB loan?

1. Generally, early repayment requires a mortgage contract, the lender’s ID card, an early repayment application and other materials. Different banks have different regulations on early repayment, and the required information is basically similar. Banks There are also requirements for early repayment. Before repaying, you should consult the bank in advance, such as Industrial and Commercial Bank of China, for the information you need to prepare for early repayment of mortgage loans.

2. Housing loan contract, identity card of the lender, bank card or passbook for early repayment account, early repayment application form, first check the requirements for early repayment in the loan contract , pay attention to whether you need to pay a certain penalty for early repayment of the loan.

3. According to the requirements of the bank, go to the relevant department in person to apply for early repayment. The borrower brings relevant documents to the borrowing bank, goes through the relevant procedures for early repayment, submits the "Early Repayment Application Form" and deposits it at the counter. Just deposit the amount repaid in advance.

The above-mentioned common sense introduces the methods of applying for early repayment of loans. To find out whether you can repay the loan early, you need to consult with the bank or microfinance company. These contents are This is a very important piece of common sense that everyone needs to know more about. What materials need to be prepared for early repayment of a CCB loan, such as loan contract, ID card, etc. These materials all need to be prepared.