Bank of China personal commercial loan early repayment application process:

If the offline mode is adopted, the borrower can apply for early repayment in accordance with the conditions agreed in the contract, but must apply to the lender in advance Submit a written application and it will be processed after review and approval by the lender.

Note: The loan contract clearly stipulates the conditions that must be met for early repayment and the number of days that must be applied for early repayment. If the offline mode is used for early repayment, the borrower must go to the branch where the customer applied for the loan to go through the early repayment procedures. Since early repayment requires approval, it is recommended that you go to the handling outlet to apply as early as possible.

The charging standard for early repayment shall be subject to the loan contract.

Currently, early repayment of Bank of China personal housing loans needs to be handled in person, and agency handling is not currently supported.

In addition to meeting the contract stipulations, handling online early repayment also depends on whether the loan agency supports online early repayment. For details, please consult the loan agency.

If the branch has enabled online early repayment, you can initiate partial or full early repayment through personal mobile banking. After completing the early repayment, the repayment amount will be adjusted accordingly. Personal mobile banking currently does not support direct adjustment of the repayment amount.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GO APP to handle related businesses.