If the mortgage loan handled by China Construction Bank is repaid in advance for less than one year, 3% of the prepayment amount can be charged as liquidated damages; If it is over one year but less than two years, 2% of the prepayment amount can be charged; For those who have completed two years but less than three years, the prepayment amount of 1% can be charged; If it is more than three years, it is estimated that there is no need to pay liquidated damages.

But the rules of branch stores in different regions may be different. It is recommended to check the terms in the loan contract or contact the loan processing outlets for verification.

scope of business

Credit fund loans, residents' savings deposits, foreign exchange business, credit card business, policy housing reform finance and personal housing mortgage loans.

By the end of 20 1 1, 1, there were13,581domestic business institutions, including the head office, 38 tier-one branches, 304 tier-two branches, 8,835 branches, 4,402 branches and The regional layout is concentrated in megacities, central cities, strong counties and rich towns. There are overseas institutions in 13 countries and regions, 9 overseas branches in mainland China, Hong Kong, Singapore, Frankfurt, Johannesburg, Tokyo, Seoul, new york, Ho Chi Minh City and Sydney, 2 representative offices in Taipei and Moscow, 2 subsidiaries in London and Hong Kong, and 1 investment bank subsidiary in Hong Kong. It owns five domestic subsidiaries: CCB Fund, CCB Leasing, CCB Trust, Sino-German Housing Savings Bank and CCB Life Insurance. There are about 329,000 full-time employees.

On September 15, 2004, Central Huijin Investment Co., Ltd., China Yin Jian Investment Co., Ltd., State Grid Corporation, Shanghai Baosteel Group Corporation and China Changjiang Power Co., Ltd. held a meeting in Beijing and decided to jointly establish China Construction Bank Co., Ltd., and China Construction Bank will be transformed from a wholly state-owned commercial bank into a state-controlled joint-stock commercial bank.

After China Construction Bank was restructured into a state-controlled joint-stock commercial bank, its name was China Construction Bank Co., Ltd., referred to as China Construction Bank. China Construction Bank Co., Ltd. inherited the commercial banking business and related assets, liabilities and rights and interests of the former China Construction Bank.

After the establishment of China Construction Bank Co., Ltd., strategic investors will be introduced to further realize equity diversification and improve the corporate governance structure. At the same time, we will continue to comprehensively promote various management reforms, promote performance progress, and strive to turn China Construction Bank Co., Ltd. into a modern joint-stock commercial bank with sufficient capital, strict internal control, safe operation, good service and good benefits.