1. Generally, borrowers need to notify the lending institution to repay the loan in advance 15 days in advance, and they must submit a written application to the lending institution with the original loan contract, bank repayment savings card, monthly repayment statement of principal and interest, my ID card and other materials (provident fund loan is applied to the housing fund management department, and bank commercial housing loan is applied to the lending bank), which will be approved by it.

2. The borrower still needs to repay the original monthly loan principal and interest repayment amount in the current month, and deposit the loan amount to be repaid in advance into the bank savings card. After confirmation, the lending institution will repay part of the housing loan in advance and then repay the loan at the interest determined in the original loan contract.

3. To print the Monthly Debt Service Statement, and sign the Loan Change Contract with the borrower. Whether to repay part or all of the loan in advance, the borrower must go to the bank to repay the loan in advance within the time specified by the lending institution.

Second, how to repay the combined repayment? Detailed method introduction!

Now, when many people apply for mortgage loans, they will choose portfolio loans, that is, provident fund loans and commercial loans will be used together. However, many people still don't know how to repay the portfolio loan. Here, let's introduce how to repay the portfolio repayment.

Portfolio loans need to be repaid separately, that is, through different accounts of the same bank. The provident fund is freely repaid, and the monthly repayment amount is greater than the minimum repayment amount. Commercial loans are generally repaid by equal principal and interest method or average capital method. Therefore, combined repayment is similar to normal loan repayment. Precautions 1. Friends with more funds in the provident fund account can sign the monthly transfer repayment withholding business, and deduct the repayment amount of commercial loans before using the remaining provident fund every month to reduce the repayment pressure. 2. If prepayment is supported in portfolio loans, both provident fund loans and commercial loans can be partially repaid in advance. 3. For commercial loans, you need to deposit enough funds in the designated repayment account on time every month, otherwise it may lead to overdue repayment. If everyone's provident fund is interrupted during repayment, nothing will happen within 3 months. 5. For overdue behavior, provident fund loans and commercial loans in portfolio loans shall be subject to the overdue policies of provident fund centers and commercial banks respectively. Above, I introduced how to repay the portfolio loan, hoping to help the friends who handle the portfolio loan to make reasonable and timely repayment.

3. Can the prepayment period of portfolio loan be changed?

Buying a house with a portfolio loan is generally the synthesis of the provident fund, so can the prepayment period of the portfolio loan be changed? To understand mortgage,

1. As long as you choose to repay part of the loan in advance, you can change the loan life.

2. Generally speaking, portfolio loans can freely choose commercial loans with high interest rates. Many people want to repay this part of the commercial loan first, and then return the provident fund loan.

3. When the borrower repays the loan in advance, it is generally necessary to inform the loan contract, the bank repayment deposit slip, my ID card and other materials 15 days in advance to submit a written application to the lending institution (the bank will apply for a commercial housing loan from the lending bank if it applies for a reserve fund), and it must be reviewed and approved by it.

The above is an introduction about whether the prepayment period of portfolio loans can be changed. Please refer to the details.

4. How to repay the portfolio loan?

You can repay according to the provident fund loan.

Provident fund loans can be repaid freely and in one lump sum.

Free repayment of provident fund means that when applying for housing provident fund loan to buy a house, the housing provident fund management center gives a minimum repayment amount according to the loan amount and term, and the monthly repayment amount will not be the same in the future, but it can freely arrange the monthly repayment amount according to its own income on the premise that the repayment amount is not lower than the minimum repayment amount.

Points to note:

Free repayment is "daily repayment", that is, the loan date is a certain day of each month, and the repayment date is a certain day of each month. If there is no corresponding repayment date in the current month, the repayment will be made on the last day of the current month;

If the borrower accidentally loses the bank card or passbook used for repayment, then the borrower must bring the bank card or passbook of the same bank to the management department applying for loan in time to go through the change procedures;

After the borrower has paid off all the loans, he should go to the loan management department to obtain the proof of paying off all the loans.