1. Liquidated damages for loan repayment The first is the liquidated damages. If the user wants to repay the loan early, he needs to pay a certain amount of liquidated damages. If you choose to repay the loan early before the loan repayment period is one year, you will need to pay a 3% penalty. If the loan repayment time exceeds 1 year, you will need to pay a 2% penalty. If the loan repayment time exceeds 2 years, you need to pay a 1% penalty.

2. Number of loan repayments

If a user chooses to repay only part of the loan in advance, there is a limit to the number of times that the user can choose to repay the loan in advance each year. According to the latest regulations, CCB only allows early repayment once a year. If the user wants to repay the loan early again, he needs to wait for the second year, otherwise the early repayment will fail.

3. Loan repayment sequence

If the user applies for a combination loan of provident fund and commercial loan, when repaying the loan in advance, the user cannot choose to only repay the commercial loan with a higher loan interest rate. . Instead, you need to repay provident fund loans and commercial loans at the same time according to a certain proportion. If the user only wants to repay the commercial loan, the bank's consent is required.

4. Loan repayment amount

If the user wants to repay part of the loan in advance, it must be repaid in units of 10,000 yuan as an integer. For the sake of convenience, many users want to repay some fraction of the mortgage loan first. This repayment method is not feasible in CCB.

Article 671 of the "People's Republic of China and Civil Code" If the lender fails to provide the loan in accordance with the agreed date and amount, causing losses to the borrower, it shall compensate for the losses.

If the borrower fails to collect the loan according to the agreed date and amount, the borrower shall pay interest according to the agreed date and amount.