Home loans can be repaid directly in cash.

How to repay the mortgage with cash:

1. Deposit cash at the bank counter

2. You need to fill in the cash payment slip

3. Just fill in your ID number, amount, etc.

You can still get a loan if you have a mortgage, because the house can be mortgaged twice. The second mortgage is more convenient and faster than the first mortgage, but the interest rate is higher.

The conditions are as follows:

1. The house used for the second mortgage must be an existing house; 2. The mortgage registration of the property has been completed, and the bank is the mortgagee of the house. 3. The real estate certificate is in the possession of the customer himself; 4. The property has a second mortgage limit and the balance of the housing loan is less than 70% of the current house price; 5. The borrower has full capacity for civil conduct and has a stable income and good credit; 6. The properties should be high-quality housing and commercial buildings with great market development potential. Although applying for a second mortgage loan effectively increases the loan limit, it should be noted that the second mortgage loan must be operated when there is a certain amount of loan space. In other words, if the first loan limit only reaches 30% of the appraised value of the mortgaged house, choosing a second mortgage loan will undoubtedly significantly increase the loan limit.

In general, it is not easy to apply for a bank loan, and failure to apply will also affect your credit record. In order to obtain lower financing costs and handle large-amount bank loans conveniently and quickly, people usually go to professional institutions, such as Dongguan Fangsu Loan. With their professional industry knowledge, they can help customers solve difficult problems in the financing process. Help customers choose the most suitable financing solution from thousands of banks. Fangsu loan financing consultation hotline: 0769-33888836

1. Don’t forget to surrender the insurance policy if you pay off the loan early.

When the lender is applying for a loan, the bank will cancel the pledge. Various small loan banks in Hefei also have different requirements for early repayment. For example, there are procedures for early repayment. Hefei small loan banks generally require borrowers to submit written or telephone applications within 15 working days in advance. The bank received the loan.

If you are a borrower who has paid off the entire balance, Hefei Small Loans will allow the lender to withdraw the remaining money to repay the loan early

II , Unpledge cannot be ignored.

Using the down payment to help the owner pay off the balance is at risk of a price drop for the owner. After the borrower settles the entire balance in advance, the bank will provide a settlement certificate. The lender will take care of a copy of the loan settlement certificate issued by the bank and the original policies of each bank before making plans.

3. Preparation is required for early repayment of the loan.

At present, some banks will release the mortgage in person. After the mortgage is released, the lender needs to go to the bank in person to get a copy of the property certificate. There may be changes. Bank regulations require early repayment of a loan to be multiples of 10,000, and some banks need to charge a certain amount of breach of contract, etc.

If the depositor pays off the loan, he must not forget to release the pledge. If the remaining loan is paid off, the depositor cannot apply for surrender