1. Generally, it is impossible to complete all the operations of mortgage prepayment with a mobile phone. Because to repay the mortgage in advance, you must first apply to the bank. Only after the approval of the bank can the repayment be made in advance.
2. However, at present, a small number of banks have opened the business of repaying mortgages in advance by mobile phones. For example, CCB mortgage can be handled by mobile phone, mainly through the operation of CCB mobile banking. First, users need to download and install the mobile banking APP of China Construction Bank, and then log in to their personal accounts; After logging in successfully, find "loan" on the home page, find the mortgage after entering the loan page, and then select "application for early repayment".
What should I pay attention to in prepayment?
1. Understand the bank's policy of repaying loans in advance.
Different lending banks have different lending policies. If property buyers intend to repay their loans in advance, they should understand the bank's policies. Now, for most small and medium-sized joint-stock banks, there are few additional penalty interests for buyers who want to repay their loans in advance, requiring them to pay liquidated damages. However, some large state-owned banks need to pay liquidated damages to varying degrees. Some banks will make it clear in the loan contract that early repayment may require a certain penalty. Some banks need to charge interest on the actual repayment amount for one to three months.
2. The document should be ready.
If the buyer intends to repay the loan in advance, he needs to prepare the documents for repaying the loan in advance. Generally, after applying by phone or in writing, bring your ID card and loan contract to the bank for approval. If it is a borrower who has paid off all the balance, after the bank calculates the remaining loan amount, the borrower should save enough money to repay the loan in advance.
3. Whether to pay liquidated damages for prepayment.
For borrowers who repay loans in advance, it is necessary to know whether they have to pay liquidated damages in advance. In fact, the bank's regulations on early repayment are limited by years. If the lender's loan contract takes effect less than one year, it is best not to apply for early repayment, because the bank may charge one more month's interest as liquidated damages according to the amount of early repayment by the lender and the specific loan interest rate. Therefore, when considering prepayment, you should choose the right time, otherwise you will spend an extra month's interest and waste some money.
4. Go through the formalities of repaying the loan in advance.
The procedures for repaying the loan in advance are the same as those for applying for a loan. The borrower also needs to go through legal procedures and must submit a written application one week to one month in advance; And you need to agree on a specific repayment time. During this period, the lender will also bring some necessary documents, such as ID cards and loan contracts, and go to the bank to fill out the repayment application form and repayment agreement in advance.
5. Go to the insurance company to surrender in time.
Don't forget to surrender to the insurance company after the borrower pays off the mortgage in advance. When signing the housing loan, the buyer will sign the housing loan family insurance contract and pay the insurance premium every month. If you pay off the loan in advance, you can surrender it and go to the insurance company with the insurance policy and proof of early repayment.
6. Handle the cancellation of real estate mortgage in time.
After paying off the loan, the borrower needs to cancel the mortgage of the property in time, which is a key point. The real estate license of the general house is mortgaged by the bank during the mortgage period, and the mortgaged house cannot be rented or resold, so the mortgage must be released after paying off the loan, otherwise the mortgage record will still be filed in the real estate department, laying a hidden danger for the future.