Prepayment: At present, there are two repayment methods: partial prepayment and full prepayment. Partial or full prepayment of individual housing loan means that the borrower repays a certain amount or all of the loan in advance on the basis of ensuring monthly repayment of personal housing tribute principal and interest, so as to achieve the purpose of "shortening the repayment period and reducing interest expenses". The specific method of "partial prepayment" is that the first bank must ensure that the monthly repayment amount after prepayment exceeds the original repayment amount before it can apply for partial prepayment. There are three options for this repayment method: the first is to keep the amount of contribution unchanged and shorten the number of periods; The second is that the number of contribution periods is unchanged and the monthly contribution amount is reduced, that is, during the remaining period, both the monthly contribution amount and the number of contribution periods are adjusted. The specific method of "all in advance" is: first go to the bank to find out the principal and interest still owed, and pay off the remaining loans at one time. Then the bank will issue proof of repayment and proof of agreement to cancel the mortgage, and then go to the Housing Authority to apply for proof of cancellation of the mortgage. In this way, the mortgage relationship between the customer and the bank is lifted.

(3) Interest: According to 208th Article of China's Contract Law, CCB stipulates that "if the borrower prepays the loan, the interest shall be calculated according to the actual borrowing time unless otherwise agreed by the parties". The interest returned will not be adjusted, the part returned in advance will not be subject to interest, and the interest on the balance owed will not be adjusted, and it will still be implemented according to the same grade interest rate standard of the original loan term. According to the relevant provisions of the People's Bank of China on loans, liquidated damages are charged according to a certain proportion for repaying loans in advance, except for personal loans.

(4) Application procedure: After the customer lender decides to repay the loan in advance, he can get the Application Form for Loan in Advance from the branches of CCB, fill it out clearly according to the provisions and hand it over to the bank. After the bank agrees, the lender must repay according to the adjusted repayment plan, otherwise it will repay the liquidated damages. Because of early repayment, especially for some loans, it is necessary to modify and calculate the loan term and loan balance agreed by the three parties in the original loan contract, which is complicated to operate. Borrowers need to understand and master the above requirements and regulations before they can make a new repayment plan that conforms to their own reality.