If the prepayment is less than one year, the interest not less than the actual repayment amount for three months will be charged.

If the repayment is made in advance after one year, the interest not less than the actual repayment amount will be charged for one month.

China construction bank

If the prepayment is less than one year, 3% of the prepayment amount will be charged.

If the loan is repaid in advance for one to two years, 2% of the prepayment amount will be charged.

The loan is repaid in advance for two to three years, and one percent of the prepayment amount is charged.

agricultural bank

If the prepayment is less than one year, it will be charged according to the principal multiplied by the monthly interest rate, that is, the loan interest rate divided by 12 months minus the repayment months.

Repay the loan in advance after one year, as long as there is no record of prepayment before, there will be no penalty. If the repayment has been made in advance, the applicant will not be fined if he applies again one year later.

Industrial and Commercial Bank of China

If the prepayment is less than one year, 5% of the prepayment amount will be charged as liquidated damages.

If the loan is repaid in advance after one year, no penalty will be charged.

Bank of China

If the prepayment is less than one year, a penalty interest of no more than six months will be charged (calculated according to the loan interest rate on the prepayment date).

If the loan is repaid in advance after one year, no penalty will be charged.

Bank of Communications

Partial prepayment is stipulated to be more than 6 times of the monthly repayment amount and less than 35%. Partial prepayment can be paid free of charge once a year.

All prepayments are subject to liquidated damages, and 65438+ 0% of the current repayment amount is charged. However, the specific repayment amount needs to be implemented in accordance with the contract.

Guangdong Development Bank

If the prepayment is less than one year, two months' interest will be charged as liquidated damages.

Repay the loan in advance after one year without any penalty.

Everbright Bank

If the prepayment is less than one year, 3% ~ 6% interest will be charged as liquidated damages, which shall be implemented in accordance with the contract.

Repay the loan in advance after one year without any penalty.

Shanghai Pudong Development Bank

If the prepayment is less than one year, different interest rates of 1.5% or 3% will be charged. If there is no liquidated damages, it will be charged according to the amount stipulated in the contract.

Repay the loan in advance after one year without any penalty.

SDB Shenzhen Development Bank

Generally speaking, you can apply for early repayment after repayment for more than two years, and the specific situation needs to be implemented according to the contract at that time.

If the prepayment is less than two years, it is necessary to pay the liquidated damages agreed upon when signing the contract. If there is no agreement, there is no charge.