1. The borrower checks the prepayment items in the loan contract.

2. Contact the account manager of ICBC by phone, verbally apply for prepayment and agree on the repayment time.

3. Deposit the loan repayment funds into the bank in advance.

4. Bring the certificate to the bank to handle the loan repayment procedures in advance.

5. If the loan is repaid in advance, the ICBC loan contract stipulates that a penalty of five ten thousandths will be charged.