After the appointment is successful, you can bring your personal ID card, repayment bank card and other related materials to the bank outlets for early repayment within the agreed time.
At that time, the money will be transferred to the repayment bank card, and the banking system will automatically deduct money from it to complete the prepayment operation.
After repaying a large sum of money in advance, the interest will not be calculated according to the total loan amount, but according to the remaining unpaid capital. In this way, interest will naturally decrease.
In the future, you can choose to keep the monthly supply unchanged according to your own needs and shorten the repayment period; You can also choose to keep the repayment period unchanged and reduce the monthly payment.
It should be noted that the banking system will not deduct more if the mortgage is repaid in large amount in advance and the money is directly transferred to the card without an appointment.
Also, if the bank requires that the repayment must be made at the specified time before it can apply for early repayment, it must be done after the repayment time (some regulations are one year), otherwise it may have to pay liquidated damages.
If the online loan is rejected many times, you can find out the problems in your big data in Puxin. It is an accurate and complete big data system, which cooperates with more than 2,000 online lending platforms to provide accurate and complete data.
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What should developers do if they don't let provident fund loans?
When buying a house, if the real estate developer refuses to apply for provident fund loans, if it is not necessary to apply for provident fund loans, he can go directly to the cooperative bank to apply for commercial loans according to the developer's requirements.
If you must apply for provident fund loans and enjoy preferential interest rates, you can contact the developer to ask why and negotiate a solution. If the developer resolutely refuses, you can go to the relevant institutions to complain.
After all, the Notice on Safeguarding the Rights and Interests of Employees Paying Housing Provident Fund to Purchase Housing Loans issued by the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China clearly stipulates that real estate development enterprises shall not refuse to pay employee housing provident fund loans.
If it is really not possible, you can also choose to replace real estate development without signing a purchase contract.
It should be noted that some developers are not allowed to apply for provident fund loans, largely because the provident fund loan process is more complicated and the payment period is longer; Moreover, there may be cooperation with the bank, and the bank has given a certain amount of development loans, so the housing mortgage of the developer's real estate must be operated in the designated bank.