1. Please check the loan contract or contact the loan bank for consultation.
2. For partial prepayment, you can choose to reduce the monthly repayment amount but keep the term unchanged or shorten the repayment period;
3. Self-service pledged loans can be repaid in advance through online banking or mobile banking.
ICBC credit loans are generally small loans, and partial repayment is usually not allowed. However, the regulations of ICBC in different regions are different. When users prepay, they can consult the bank that handles the loan or check the loan contract, so that they can know whether they can prepay, and then go to the bank to handle it. When handling ICBC credit loan, the borrower must be between 18 and 60 (inclusive), have full capacity for civil conduct, hold legal and valid identity certificate and household registration certificate (or valid residence certificate) of the place where the loan bank is located, and also need a stable source of income and the ability to repay the loan principal and interest in full and on time. When handling credit loans, users need good credit information. The general bank will check the borrower's credit information when applying. If the credit is not good, then the bank will refuse. Only with good credit information can you successfully apply for a loan. It should be noted that bad credit information cannot be changed, nor can it be changed to other banks.
When handling ICBC credit loans, users should know what kind of income they use to repay. If they don't have a good repayment plan, they should handle the loan carefully at this time to avoid overdue repayment. After all, overdue repayment will generate penalty interest, and the longer it is delayed, the more penalty interest will be generated.
Repayment in advance:
1. Full 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 loans is reduced, and the repayment period remains unchanged.
4. Partial prepayment will reduce the monthly repayment amount of the remaining loans and shorten the repayment period.
5. The remaining loans will keep the total principal unchanged and only shorten the repayment period.