1. How much liquidated damages should be paid for repaying the loan in advance needs to be determined according to specific bank regulations:

(1) China Agricultural Bank does not need to charge liquidated damages for repaying the loan in advance;

(2) If the loan of ICBC is less than one year, 5% of the loan amount will be charged as liquidated damages;

(3) If the loan of CCB is repaid in advance for less than one year, the liquidated damages shall be 3% of the repayment amount.

2. Legal basis: Article 35 of the Measures for the Administration of Individual Housing Loans.

If the borrower is under any of the following circumstances, the lender shall investigate the borrower's liability for breach of contract according to the relevant provisions of the General Rules for Loans of the People's Bank of China:

(1) The borrower fails to repay the loan principal and interest on schedule;

(two) the borrower provides false documents or information, which has caused or may cause loan losses;

(3) Without the consent of the lender, the borrower dismantles, sells, transfers, donates or repeatedly mortgages the property or rights and interests with mortgage or pledge;

(four) the borrower changes the purpose of the loan without authorization and misappropriates the loan;

(five) the borrower refuses or obstructs the lender to supervise and inspect the use of the loan;

(6) The borrower signs contracts or agreements with other legal persons or economic organizations that are detrimental to the rights and interests of the lender;

(7) The guarantor violates the guarantee contract or loses the ability to bear joint and several liabilities, the collateral is not enough to pay off the principal and interest of the loan due to accidental damage, and the pledge is obviously reduced, which affects the lender's realization of the pledge right, while the borrower fails to implement the new guarantee or new mortgage as required.

Second, what are the ways to repay the loan in advance?

There are several ways to repay the loan in advance:

1. Repay all the loans in advance, and pay off all the remaining loans in one lump sum;

2. Some loans are repaid in advance, and the monthly repayment amount of the remaining loans remains unchanged, shortening the repayment period;

3. Partial prepayment, the monthly repayment amount of the remaining loans is reduced, and the repayment period remains unchanged;

4. The total principal of the remaining loans remains unchanged, but the repayment period is shortened.