If you want to repay the mortgage in advance, the borrower must first call the customer service staff of the loan bank to make an appointment. After the appointment is successful, he will bring his personal ID card, repayment bank card, loan contract and other materials to the counter of the business outlet near the loan bank to find the staff to handle the prepayment procedures.
Second, the specific analysis
Get the advance payment application form at the counter and fill it out, and then hand it over to the staff together with the information. After the loan bank accepts it, it will conduct an audit. If it passes the examination, it will transfer the prepayment money to the repayment bank card, and then the banking system will deduct the corresponding funds from the card.
However, it should be noted that there are certain conditions for prepayment of mortgage loans. Banks generally don't allow early repayment just after handling mortgage loans. For example, some require repayment for more than half a year according to the repayment plan agreed in the signed loan contract, while others require repayment for more than one year.
Therefore, it is suggested that before making an appointment to apply, it is best to check the requirements of prepayment in the loan contract and pay attention to whether there is a penalty for prepayment.
It is suggested that you can know your current credit status in the "North Inspection Quick Check", get rid of the bad habit of applying for a loan, and cover your dishonesty with a new good payment record.
3. What information should I bring to repay the mortgage in advance?
If you want to repay the loan in advance, the borrower needs to carry ID card, mortgage contract, repayment card, loan certificate, monthly repayment principal and interest table, etc.
After the materials are ready, the borrower needs to submit an application for prepayment to the bank 15 days in advance. After the bank agrees, the borrower can go to the bank for prepayment within the agreed time.
Generally speaking, there are two options to repay the loan in advance, one is to repay all the loans in advance, and the other is to repay part of the loans in advance.
If the loan is repaid in advance, after the loan repayment is completed, you need to go to the Housing Authority for mortgage procedures.
After getting the real estate license, there is nothing to go through.
If part of the loan is repaid in advance, the bank needs to recalculate the monthly payment after the repayment is completed.
The borrower can choose whether to shorten the repayment time and keep the monthly payment unchanged, or not to shorten the repayment but reduce the monthly payment.
Whichever you choose, when the loan principal is reduced, the loan interest will be reduced a lot.
The borrower should be reminded that prepayment can only be applied once a year, and the unit is 1 10,000 yuan, and the one-time minimum repayment is 1 10,000 yuan.
If the repayment period is less than 3 years, if you want to repay the loan in advance, you may need to pay a certain penalty.