2. Download and install the China Industrial and Commercial Bank APP on your mobile phone, open ICBC and log in.
Click on the loan, and then there is an prepayment at the bottom of your loan amount. You can apply, and then click prepayment in my bill.
3. Tips:
1) The liquidated damages for early repayment generally do not exceed 6 months of loan interest. Please check the loan contract or contact the loan bank to inquire about the charges;
2) For partial prepayment, you can choose to reduce the monthly repayment amount but keep the term unchanged or shorten the repayment period. However, due to different local regulations, please refer to the actual operation.
3) Self-service pledged loans can be repaid in advance through online banking or mobile banking.
4. Buying a house with a loan can also be repaid in advance. After the economic conditions improve, you can go through the formalities of prepayment, which can also save some interest. Different banks have different regulations on mortgage prepayment, so what are the regulations of ICBC's mortgage prepayment? Let's get to know each other. Provisions of China Industrial and Commercial Bank on prepayment:
1) If ICBC repays the mortgage in advance for less than one year, it will collect liquidated damages; One year later, if ICBC applies to repay the mortgage loan in advance, no penalty will be charged;
2) ICBC's mortgage prepayment is stipulated according to the repayment amount, and the general minimum prepayment amount is 50,000 yuan;
3) ICBC needs to apply for early mortgage repayment one month in advance.
1. For buyers, how to choose mortgage interest is the most cost-effective?
If you have the ability to buy a house in full, try not to choose to buy a house by stages. Some people think that buying a house by stages can save a lot of money for other investments. In fact, although buying a house in full will spend all your money, if you want to make other investments, you can mortgage the house in full. The interest on the whole house mortgage loan is really low. If you don't have the ability to buy a house in full, you must choose mortgage to buy a house, and you must try to choose a repayment method with a shorter loan period according to your own ability. For example, if you can choose 20-year installment repayment, don't choose 30-year installment repayment; If you can choose 10 years, don't choose 20 years. In short, as long as the repayment period is within the ability, the shorter the repayment period, the more cost-effective.
Operating environment:
Industrial and Commercial Bank of China: 6. 1. 1.0.0
Mobile phone model: ELS-AN00