1. If the Postal Savings Bank of China repays part of the loan in advance, will the housing loan be deducted in the same month?

When you repay the loan in advance, you can keep the repayment period unchanged and reduce the repayment amount, or The repayment period can be reduced and the repayment amount remains unchanged

2. Postal Savings Bank can repay in advance

This is not a requirement.

Because it is, the mortgage is relatively small. In order to control the risk, it has to be required to repay the principal and interest every month. Because during the previous pilot, some people directly made fake products and then took the money and left.

Banks need the relative safety of funds, and such loans require you to have sufficient cash flow. So it is impossible to expect this to become a fixed asset in your hands for a long time.

If you really want to repay it as you imagine, try looking for an investment company. They may have the kind of loan you want. Of course, the interest rate will definitely be higher.

3. Postal Savings Bank loan repayment problem in advance

Directly deposit the money into your mortgage repayment account, bring your ID card, and go to a Postal Bank branch to fill out a Apply and you can repay in advance. The bank system has automatically calculated the interest issue, so you don’t need to worry about it. This is how I did it!

4. What are the Postal Savings Bank’s early loan repayment regulations in 2020?

Postal Savings Bank’s penalty provisions for early repayment of loans are as follows:

1. If the principal and interest of the loan are continuously repaid on time for less than 12 months from the actual date of disbursement, the penalty for early repayment of the loan shall be 1% of the principal amount will be paid to the lender as liquidated damages; if the loan principal and interest are continuously repaid on time for more than 12 months (inclusive) from the actual loan date, no liquidated damages are required.

2. If part of the loan is repaid in advance, the minimum repayment application amount is RMB 10,000 and should be an integral multiple of RMB 1,000.

The process for early repayment is as follows: first check the requirements for early repayment in the loan contract, and pay attention to whether a certain penalty is required for early repayment; call the lending bank to inquire about the application time and minimum amount for early repayment. Repayment amount and other required information; go to the relevant departments in person to apply for early repayment as required by the bank; the borrower brings relevant documents to the borrowing bank to go through the relevant procedures for early repayment; submit the "Early Repayment Application Form" and Just deposit the prepayment amount over the counter.

Each bank has no limit on the number of early repayments of mortgage loans. You can repay the entire loan at once or partially repay the loan. It’s just that the starting amount for each loan repayment varies from bank to bank. Some stipulate that it is 10,000 yuan or multiples of 10,000 yuan. Some banks stipulate that partial repayment of the loan can be made in advance for more than 1,000 yuan. Before repaying the loan in advance, you must apply. Check with your bank for details.

It is worth mentioning that the "Early Repayment Application Form" is irrevocable once confirmed by the borrower's bank, and serves as a supplementary clause in the loan contract and has the same legal effect as the loan contract. If the loan buyer fails to repay in advance according to the date and amount specified in the early repayment application issued to the borrower's bank for any reason, it will be deemed as overdue repayment, and the loan buyer shall bear the corresponding liability for breach of contract according to the loan contract. .

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