Legal subjectivity:

1. First check the requirements for early repayment in the loan contract, and pay attention to whether early repayment requires a certain amount of liquidated damages. 2. Call the lending bank to inquire about the application time for early repayment and the low repayment amount and other required information. 3. Go to the relevant departments in person to apply for early repayment as required by the bank. 4. The borrower needs to bring relevant documents to the borrowing bank to handle the relevant procedures for early repayment. 5. Submit the "Early Repayment Application Form" and deposit the early repayment amount at the counter. Legal objectivity:

Article 32 of the "General Principles of Loans" The borrower shall repay the principal and interest of the loan in full and on time in accordance with the loan contract. The lender shall send a notice of principal and interest repayment to the borrower one week before the expiration of a short-term loan and one month before the expiration of a medium- and long-term loan; the borrower shall prepare funds in a timely manner and repay the principal and interest on schedule. Lenders must promptly issue collection notices for overdue loans and do a good job in collecting the principal and interest of overdue loans. If the loan cannot be repaid within the time limit stipulated in the loan contract, the lender shall impose penalties and interest in accordance with regulations; if the loan cannot be repaid or cannot implement the repayment of principal and interest, it shall urge the repayment or prosecute in accordance with the law. The borrower must negotiate with the lender to repay the loan early.