2。 If the prepayment is agreed, the lender will go to the bank with ID card (foreign buyers need temporary residence permit), loan contract and other documents;
3。 Fill in the application form and submit the application for early repayment;
4。 According to the requirements of the bank, deposit enough repayment amount into the bank's repayment account;
5。 Go to the bank to sign the relevant documents; Get back his right certificate, the certificate of full repayment of the loan, the original insurance contract of the mortgage loan, the relevant documents and some documents of the real estate license to cancel the mortgage;
note: in this process, you should remember to get back the original insurance contract form of mortgage loan. In this process, some banks play tricks and collude with insurance companies to deliberately not give the original insurance contract form. Afterwards, when you return the insurance money, you need to ask the bank for the original insurance contract form, and the bank will say that you have signed it and taken it away, but will not admit it. You have to suffer a loss, and in order to surrender your insurance, you have to make a statement in the newspaper that you lost the original insurance policy, which is quite laborious. Many people don't surrender their insurance because they are afraid of trouble. Insurance companies have made huge ill-gotten gains, and of course, the relevant bank personnel will be beneficial.
6。 Go to the real estate management department (such as the district and county housing management bureau) to handle the mortgage cancellation procedures, and the real estate department will take back his right certificate and stamp your real estate license to indicate that the mortgage has been cancelled.
7. When you go to the insured insurance company to go through the formalities of refunding part of the insurance money, you should provide the original and duplicate of the mortgage loan insurance policy contract, the invoice of the insurance policy, the certificate that the bank has paid off the loan, the ID card and other documents, and then fill out the form and receive the remaining balance of the insurance money after settlement.
8。 After the application for early repayment of the loan is filed, it only takes several working days at the earliest and can be completed within one month at the latest.
9。 In the process of handling, the bank staff will make an appointment with you by phone in time to inform you of the next procedure.
1。 This process generally does not charge any handling fee. Some banks may charge some default fees for your prepayment, which will be put forward by the bank when negotiating with the bank for prepayment. It is understood that banks generally do not charge default fees to ensure the safe recovery of loan funds.
hope to adopt!