Advance repayment method of automobile loan

There are two ways to prepay, one is full prepayment, and the other is partial prepayment.

Full prepayment refers to one-time settlement of the principal and interest of the car loan. After all prepayment, the interest will be calculated from the day when the principal and interest of the bank are paid off. In other words, as long as you borrow money from the bank, the interest will be calculated.

Partial prepayment means that only a part of the loan principal and interest is repaid, and the remaining principal and interest are not settled. The outstanding loan principal and interest shall be executed according to the loan interest rate agreed in the original loan contract, and you can always enjoy this part if there is a discount.

Algorithms and regulations for prepayment of automobile loans in major banks;

1, prepayment interest of CCB loan

If the loan is less than one year and needs to be repaid in advance, 3% of the prepayment amount will be charged. 2% for one to two years and 1% for two to three years.

2, Agricultural Bank loan prepayment interest

If the prepayment is less than one year, it will be charged at the monthly interest rate of the principal, and no penalty will be charged after one year of loan.

3. Interest on prepayment of ICBC loans

If the loan is repaid in advance for less than one year, 5% of the prepayment amount will be charged. If the loan is repaid in advance after one year, it will be the same as the Agricultural Bank, and no penalty will be charged.

4. Repay the interest on the loan from the Bank of China in advance.

If the loan is repaid in advance for less than one year, a fine of no more than six months' interest will be charged. If the loan is repaid in advance after one year, there will be no penalty, just like the Agricultural Bank.

5. Bank of Communications loan prepayment interest

The amount of prepayment is stipulated, at least six times the monthly repayment amount, and some prepayment can be paid once a year for free.

6. Repay the interest of China Merchants Bank loan in advance.

If the loan is less than one year, it needs to be repaid in advance, and the interest will be charged for at least three months relative to the actual repayment amount, and only one month after one year.

Second, how to transfer the money from CCB Express Loan to the bank card?

There are four main ways for CCB to transfer fast loans:

1. To withdraw money at the counter, I can go directly to any CCB outlet with my bank card and valid ID card to go through the formalities of fast loan to bank card;

2.ATM withdrawal: select "fast loan business" after inserting the card, and then select the business you want to handle;

3. To withdraw money from the online bank, please log in to the online bank of China Construction Bank, click on the loan service in turn, then transfer the special account by yourself, and then proceed to the next step according to the page prompts.

3. How to terminate the parking loan of CCB?

It is recommended to consult the customer service hotline of CCB. Or consult your loan manager.

I regret applying for a parking loan. The parking loan was cheated by the bank. How to deposit it in the bank?

The following is the relevant process of the bank:

1, the owner shall submit the book first and prepare corresponding copies according to the number of people.

2. Prepare and submit according to the required information.

3. When submitting relevant documentary evidence, the owner should fill in the evidence list, and indicate the name and page number in the certificate form. Sign the evidence list after the evidence is verified.

4. If the evidence does not conform to the case within one week after submitting the relevant evidence materials of this case, it will not be accepted.

5. Pay the legal fees within one week.

What parking space can I borrow? What parking space is not available?

The premise of parking space loan is that the purchased parking space must have a property certificate. Banks should also investigate whether the borrower has the willingness to repay and his own credibility, which are the key points of the audit to prevent the lender from not repaying the loan. Banks rarely agree to lend money for loans for independent parking spaces. According to informed sources, banks do not approve such loans mainly because the loans for such parking spaces are relatively low, and secondly, fewer people buy parking spaces, so it is not easy to sell and realize.

Fourth, how to cancel the bank car loan?

Ask the customer to give a two-year card loan! What does this mean?