The provisions of the Postal Savings Bank on liquidated damages for early repayment of loans are as follows:

1. If the repayment of the loan principal and interest on time is less than 12 months since the actual loan date, the lender shall be paid a penalty of 1% of the loan principal repaid in advance; If the principal and interest of the loan are repaid continuously and on time for more than 12 months (inclusive) from the actual lending date, there is no need to pay liquidated damages.

2. If part of the loan is repaid in advance, the minimum repayment application amount is 65,438 yuan+0,000 yuan, and it should be an integer multiple of 65,438 yuan+0,000 yuan.

The process of prepayment is as follows: first, check the requirements of prepayment in the loan contract, and pay attention to whether there is a certain penalty for prepayment; Call the loan bank in advance to inquire about the application time and minimum repayment amount of the loan and other materials that need to be prepared; According to the requirements of the bank, personally apply to the relevant departments for early repayment; The borrower carries the relevant documents to the borrowing bank to go through the formalities related to prepayment; Submit the advance payment application form and deposit the advance payment in the counter.

There is no limit to the number of times the bank can repay the mortgage in advance, and it can be paid off in whole or in part. It's just that the starting amount of each loan repayment is different from bank to bank. Some regulations are 1 1,000 yuan or multiples of 1 1,000 yuan. Some banks stipulate that 1000 yuan or more can partially repay the loan in advance. Please consult the bank in detail before repaying the loan in advance.

It is worth mentioning that the prepayment application form is irrevocable once confirmed by the borrower's bank. As a supplementary clause of the loan contract, it has the same legal effect as the loan contract. If the loan purchaser fails to repay the loan in advance according to the date and amount specified in the application for prepayment sent to the borrower's bank for any reason, it will be regarded as overdue repayment, and the loan purchaser will bear corresponding liabilities for breach of contract according to the loan contract.

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2. Can Shanghai's second-hand houses and postal savings loans be repaid in advance by installments?

Hello:

All loans of China Postal Savings Bank can be repaid in advance, and there is no need to pay liquidated damages. The second-hand house loan you borrowed can be repaid in advance at your loan bank. Just sign the bill. It's simple. It can also be repaid several times according to the contract, which needs to be negotiated with the loan bank. I wonder if you are satisfied?

Third, the prepayment policy of Postal Savings Bank.

China Postal Savings Bank mortgage prepayment method:

1, equal principal and interest (same monthly repayment amount).

2. Average capital (the monthly repayment amount is decreasing, and the first month is the largest).

3. Pay the principal and interest in installments on a monthly basis. After the grace period, pay the principal and interest on a monthly basis.

4. Average capital repayment by stages, grace period (interest repayment, monthly repayment principal unchanged during the grace period).

Repay the principal and interest in one lump sum at maturity.

China Postal Savings Bank mortgaged the loan in advance.

Bring valid identity documents, housing loan contracts signed with banks, and documents required by relevant banks to the bank for handling.

China Postal Savings Bank mortgage prepayment method

1, equal principal and interest (same monthly repayment amount);

2, a few months at most);

3. Repay the principal and interest in equal installments. Repay the interest on a monthly basis within the grace period (the longest is 1 year), and repay the principal and interest on a monthly basis after the grace period, with the monthly amount of principal and interest unchanged;

4. The method of repayment of principal by installment, in which the interest is repaid monthly within the grace period (the longest is 1 year), and the principal and interest are repaid monthly after the grace period, with the monthly repayment of principal unchanged;

5. One-time repayment of principal and interest, with the maturity date of the loan as one time.

Under what circumstances should China Postal Savings Bank not repay the mortgage in advance?

1, enjoy the provident fund loan and 30% off repayment. Because the current 5-year loan interest rate of 30% discount is lower than the 5-year deposit interest rate, it is appropriate for customers to save money to repay the loan. If such a customer repays the loan in advance and then borrows money to buy a house, the bank will implement the latest loan policy, and the benchmark interest rate will rise by 1. 1 times, and the borrower will lose more than it gains.

2. It has been more than five years since the repayment of the equal principal, and most of them repay the loan in advance, so it can be said that the principal is more. Therefore, from the perspective of capital utilization, other investment channels can be considered, and the annual rate of return of special projects exceeds that of bank houses.

3. If the customer has other better investment and wealth management projects, such as stocks, funds, bonds, wealth management products, etc. Or an enterprise where both buyers and sellers need liquidity, if the return on investment is higher than the loan interest rate, there is no need to choose to repay the loan in advance.

Repayment method

The repayment method refers to the way that the borrower repays the principal and interest of the loan, and the interest is calculated according to the remaining principal of the borrower. Different repayment methods determine the speed of principal repayment, which leads to different total interest payments.

Matching principal and interest repayment method: the principal increases month by month, the interest decreases month by month, and the monthly repayment amount remains unchanged;

Average capital repayment method: the principal remains unchanged, the interest decreases month by month, and the monthly repayment amount decreases.

Four, the latest provisions of postal prepaid.

The terms of prepayment of postal bank loans are usually stipulated in the loan contract. Please refer to what is stipulated in the contract. Take the prepayment of mortgage as an example. If the mortgage repayment is less than 65,438+0 years, applying for prepayment will result in a penalty of 65,438+0% of the remaining principal. But if you apply for prepayment after 1 year, you need to apply one month in advance. At this time, there is no penalty interest for prepayment. Therefore, the user's intention of prepayment is to save interest. If you charge a penalty interest, you will not save interest. For users, the time to apply for prepayment is very important. Postal savings in China can be traced back to the postal savings business started in 19 19, which has a history of one hundred years. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Limited was formally established. 20 12 1 month, the whole company was restructured into a joint stock limited company. From 20 15 to 12, ten domestic and foreign strategic investors were introduced. 2065438+listed on the Hong Kong Stock Exchange in September 2006. 20 19 to 12 were listed on the Shanghai Stock Exchange, and the three-step reform goal of "share reform-leading battle-listing in A and H" was successfully completed. With nearly 40,000 outlets and serving more than 600 million individual customers, the Bank aims to serve the three rural areas, urban and rural residents and small and medium-sized enterprises, and is committed to providing services to the most dynamic customer groups in China's economic transformation, and accelerating the transformation to a new retail bank with data-driven, channel collaboration, wholesale and retail linkage and efficient operation. With excellent asset quality and remarkable growth potential, the Bank is a leading large-scale retail commercial bank in China. The Bank insists on serving the real economy, actively implements the national strategy, supports the construction of China's modern economic system, and realizes its own sustainable development. Adhere to customer-centric, build an online and offline integrated financial service system, and provide our customers with high-quality, convenient and efficient integrated financial services. Adhere to the risk orientation, constantly improve the "all-round, all-round, all-staff" comprehensive risk management system construction, and maintain the excellent level of asset quality. Adhere to the business philosophy of "benefiting the people in urban and rural areas" and actively fulfill social responsibilities in providing inclusive finance services, developing green finance, and supporting precise poverty alleviation. After 13 years' efforts, our market position and influence are increasingly prominent. In 2020, the Bank's Tier 1 capital ranked 22nd among the global 1000 banks published by Banker magazine. In 2020, Fitch and Moody's rated the bank as A and A 1 respectively, which was consistent with China's rating. Standard & Poor's Global gave the bank an A rating, and Standard & Poor's credit rating gave the bank an AAAspc rating, with a stable prospect. In the face of the promising period of strategic opportunities for China's economic and social development, the Bank will thoroughly implement the new development concept, comprehensively deepen reform and innovation, accelerate the transformation and development of "characteristic, comprehensive, light, digital and intensive", continuously improve the quality and efficiency of serving the real economy, focus on improving the ability to serve customers, and strive to build itself into a first-class large-scale retail commercial bank with customer trust, distinctive features, stability and safety, innovation-driven and excellent value.