1. For different lending institutions, the time allowed to repay the mortgage in advance is different. For example, China Construction Bank and Bank of China, among the four major banks, generally require borrowers to repay for one year before they can apply for early repayment. The requirement of ICBC is that the borrower can apply after six months of repayment on time.

2. Other commercial banks, such as China Merchants Bank, Bank of Communications, Bank of East Asia, etc., also applied to the bank for repayment before the repayment deadline, demanding full repayment on time for one year. Some banks have no requirement to repay loans before the repayment deadline. If the borrower is willing, he can apply for prepayment at any time.

3. However, I learned from the bank staff that due to the relatively large amount of mortgage loans, few people apply for early repayment after one year. Therefore, if you want to repay the mortgage in advance, you must consider the problem of repaying the mortgage in advance in light of your actual situation.