2. Then call the loan bank to ask about the application time of prepayment and what materials need to be approved;
3. Then the repayment person needs to bring the materials, apply to the bank in person, and fill in the relevant forms;
Finally, wait for the bank's approval, and then deposit the remaining mortgage into the account.
The process of prepayment of loan principal is as follows:
Call the loan bank and ask for repayment of the loan principal in advance;
After the bank agrees, bring my ID card, loan contract, repayment card, property right certificate or purchase contract to the outlet designated by the bank;
Give the information to the staff at the advance payment window, and the bank counter will give you a list to handle;
Deposit the money in the repayment card at the bank counter, and the bank will automatically deduct the money, and then deduct the documents for the lender;
The lender will hand over the deduction documents to the staff at the repayment window, and the bank will give the lender the settlement documents;
After that, the bank staff will take his rights and the lender to the Housing Authority to cancel his rights; After the cancellation of his other rights, the house is a full house.
1, prepayment requirements:
First, the borrower can only propose to repay part or all of the loan in advance for the first time after six months of normal repayment of the principal and interest of the loan;
Second, for serious loan management, lending institutions have set a minimum amount for early repayment of some loans, which generally needs more than 6,543,800 yuan;
Third, the borrower generally needs to notify the lending institution 18 days or 15 days in advance to repay the loan in advance, and must submit a written application to the lending institution with the original loan contract, bank repayment savings card, monthly statement of fund repayment, my ID card and other materials, which must be reviewed and approved by the lender;
Fourth, the borrower still needs to repay the original monthly loan principal and interest repayment amount in the current month, and at the same time deposit the loan amount to be repaid in advance into the bank savings card.
2. Under what circumstances do you not need to prepay?
1. Provident fund loan.
People use commercial loans, provident fund loans and portfolio loans when buying loans. Among them, the interest rate of provident fund loans is the lowest. When using provident fund loans to meet the conditions of provident fund loans, it is not necessary to repay in advance, but to use the money at hand for other investments, and the income may be much higher than the interest.
2. The repayment period of average capital has exceeded one third.
When repaying, some property buyers choose average capital repayment. The later this way, the less the principal part of repayment, the less interest. If the repayment exceeds one third, the interest has already been repaid by nearly half, and the principal will be repaid later. The interest rate does not affect the repayment amount, so prepayment is not recommended.