(1) Agreement on liquidated damages for prepayment. Whether ICBC repays the loan in advance depends on the agreement signed between the mortgagor and the bank, and the payment is made according to the agreement, but it is not necessary without the agreement.

(2) Advance loan repayment appointment. The early repayment of loans by ICBC mainly depends on the review process of the applicant's information by the handling outlets, and there is no mandatory appointment in advance.

(3) ICBC repays the loan in advance and repays the loan every year. ICBC repays in advance at most once a year.

(4) The prepayment amount of ICBC. Industrial and commercial bank of China has regulations that it must be more than six times the monthly payment. For example, a citizen's monthly payment is 2000 yuan. If he wants to repay the loan in advance, he must reach 2000 yuan × 6 = 12000 yuan.

(5) ICBC prepays and carries materials. The agent needs to bring the repayment account, loan contract, ID card and other materials to the loan bank for handling.

(6) ICBC repays in advance. There are three ways for ICBC to repay the loan in advance. A. lump sum payment; B. A part of it is returned, the monthly payment remains unchanged, and the repayment period is reduced; C. part of it, the fixed number of years remains unchanged, and the monthly payment is reduced.

2. Agricultural Bank's prepayment policy:

(1) liquidated damages for prepayment of China Agricultural Bank. Agricultural Bank of China needs to repay the loan in advance according to the agreement signed by both parties and the specific provisions of the handling outlets.

(2) China Agricultural Bank repaid the loan in advance. There is only one way for China Agricultural Bank to repay the loan in advance, and that is to pay it off in full, without penalty interest.

3, the construction bank loan prepayment policy:

(1) CCB needs to make an appointment to repay the loan in advance. The staff responsible for the mortgage business of China Construction Bank introduced how long it takes to make an appointment in advance, and specifically need to consult the handling outlets, because some outlets have a large business volume and the time is slightly longer.

(2) The number of times that CCB repays the loan in advance every year is basically once.

(3) The prepayment amount of CCB: The prepayment of CCB should at least exceed 1 10,000 yuan.

(4) The prepayment method of CCB. There are two ways for China Construction Bank to repay the loan in advance. A. complete restitution; B. part of it, the fixed number of years remains unchanged, and the monthly payment is reduced. Now, after system update, new methods may be added. For details, please consult the handling outlets. ?

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