1. Make an appointment with the bank account manager in advance.

2. Take the materials to CCB to fill in the application form and submit relevant materials, such as ID card and loan contract. After submitting it to the bank, wait for approval and go to the bank outlet to handle the loan business.

3. CCB needs to pay liquidated damages for prepayment. Different banks have different liquidated damages standards for prepayment, and different branches of the same bank have different liquidated damages for prepayment. Partial prepayment is required to be at least 6 times of the monthly repayment amount and at most 35% of the monthly repayment amount. Some prepayments can be paid once a year for free. All prepayments must pay liquidated damages. Repayments will be made one to two years in advance, and 2% of the prepayment amount will be charged. If the loan is repaid two to three years in advance, 1% of the prepayment amount will be charged. However, the specific repayment amount needs to be implemented in accordance with the contract.

4. Repayment operation: After completing a series of procedures, the borrower goes to the bank counter to make repayment, and some banks also support the operation of making money. In addition, everyone should pay attention to the fact that if it is returned in full in advance, you need to go through the formalities of understanding and cancellation.

1. What are the ways of prepayment?

1. prepayment, that is, the customer pays off all the remaining loans at one time.

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 loan is reduced, and the repayment period remains unchanged.

4. For partial prepayment, the monthly repayment amount of the remaining loans will be reduced and the repayment period will be shortened.

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

Second, the advantages and disadvantages of early repayment

After repaying part of the mortgage in advance, the interest is not calculated according to the total loan amount, but according to the remaining unpaid principal after prepayment, so a certain amount of interest can be reduced or exempted. If you choose to reduce the monthly payment after prepayment and keep the repayment period unchanged, you can also ease the pressure on monthly payment; If you choose to shorten the repayment period and keep the monthly payment unchanged, you can settle the debt earlier. The disadvantage is to apply for prepayment. For example, if the mortgage is repaid in advance just after the mortgage is completed, or even if it is not repaid in advance according to the agreed repayment plan, it may be necessary to pay a certain penalty.