You can repay in advance.

Procedures for prepayment of housing provident fund loans:

1. Repayment in full in advance: the loan bank shall go through the formalities of prepayment in full after reviewing relevant materials.

2. Early repayment with the same loan term: the loan bank instructs the borrower to fill in the relevant agreement. If the original loan guarantee method is low mortgage insurance, and the mortgage registration has not been handled, you need to go to the insurance company designated by the city center to go through the formalities of reducing the insured amount with the original policy, your ID card and relevant agreements. The final signed agreement shall be sent by the lending bank to the corresponding sub-center in time.

3. Borrowers who choose mortgage insurance as the original loan guarantee method and have completed mortgage registration and borrowers who choose non-mortgage insurance apply for partial repayment in advance and shorten the loan period: the loan bank instructs borrowers to fill in relevant agreements, and the signed agreements are sent to the corresponding sub-centers in time by the loan bank.

4. If the mortgage insurance is still in the insurance period and the mortgage registration has not been completed, the borrower can apply for partial repayment in advance to shorten the loan period, and can directly handle it at the guarantee center.

Second, what are the conditions for housing loans?

The application conditions for housing loan are as follows: 1. A natural person with full civil capacity. Two, a valid identity certificate, household registration certificate and proof of marital status. Third, have a good credit record and willingness to repay. Four, a stable source of income and the ability to repay the principal and interest in full and on time. Article 669 of the Civil Code stipulates that when concluding a loan contract, the borrower shall provide true information about the business activities and financial situation related to the loan according to the requirements of the lender. Article 699 stipulates that if there are more than two guarantors for the same debt, the guarantors shall bear the guarantee liability according to the guarantee share agreed in the guarantee contract; If there is no agreement on the share of guarantee, the creditor may require any guarantor to bear the guarantee responsibility within the scope of its guarantee. Problems needing attention in buying a house with a loan: 1. The fluctuation range of loan interest rate is related to how much interest the borrower has to pay during the loan period, so we should pay more attention to it. If the fluctuation of loan interest rate is relatively small, the pressure on buyers will be relatively small, and if the fluctuation is relatively large, the pressure will also increase. Borrowers can analyze the floating range of loan interest rates of various banks for reference before applying. 2. Frequency of loan interest rate adjustment At present, most banks agree that if the benchmark interest rate of the People's Bank of China is adjusted, the bank will adjust the loan interest rate accordingly on June 65438+1 October1of the following year. In addition, a few banks allow customers to float according to the loan date, that is, when the benchmark interest rate of the People's Bank of China is adjusted, the loan interest rate will be adjusted every 1 year. Generally speaking, the longer the period of interest rate adjustment, the better for borrowers. 3. Expenses incurred in handling loans When handling commercial loans, there are generally expenses such as notarization fees for loan contracts, insurance premiums, mortgage registration fees, loan contract fees, and evaluation fees. The total amount may reach several thousand yuan, and the borrower cannot ignore it. At present, some banks are partially or completely exempted from the above fees, which is also the reason why borrowers choose after comparison. 4. Loan cost At present, the loan interest rates of all banks are similar. In the same loan period, the loan cost is mainly reflected in the bank's regulations on early repayment and adjustment of repayment plan. Therefore, it is suggested that the borrower choose a bank that repays the loan in advance without penalty, has a low repayment starting point and can adjust the repayment plan. 5. Loan services In terms of loan services, borrowers should choose banks with simple procedures and simple operations. When accepting loans, we can provide borrowers with thoughtful loan consulting and handling services, online banking and SMS prompt services, especially banks that can provide borrowers with comprehensive personal financial services and value-added services at the same time. 6. Loan products If you want to apply for a mortgage loan to buy a house, especially for the first time, the borrower can enjoy certain interest rate concessions according to various situations such as personal income. As for the specific application procedures, all banks have relevant requirements. In addition, different banks have different mortgage products, and even the same bank will launch different products at different times. If the new product is more cost-effective, it can be converted between different products through refinancing.

3. Tangshan commercial loan interest rate?

Investment is risky and loans need to be cautious. Usually, people will hesitate when dealing with mortgage loans. The biggest factor is interest rate, so people always shop around and make a comparative choice. Therefore, the mortgage interest rate is a topic of great concern to everyone. Today, Qiang Sen Finance Bian Xiao will show you how to calculate the interest rate of mortgage loan.

First, how to calculate the mortgage interest rate:

You can use the housing bank loan interest rate calculator to calculate the loan interest rate. Loan amount: 65,438+000,000 yuan, loan term: 2 years, repayment method: equal principal and interest are repaid monthly, loan interest rate (annual interest rate): 6.40, calculated by the calculator of mortgage interest rate table: loan term: 2 years, commercial loan amount: 65,438+000,000 yuan, and commercial loan interest rate: 6. Various benchmark lending units: 5.85% for six months, 6.3 1% for one year, 6.40% for one to three years, 6.65% for three to five years and 6.80% for more than five years.

II. Information required for applying for housing mortgage loan:

Property right certificate (property right certificate and land certificate must be mortgaged to the bank for mortgage of bank loans), identity cards of obligee and spouse, household registration book of obligee and spouse, marriage certificate (marriage certificate or unmarried certificate issued by civil affairs bureau), and income certificate of obligee (which has great influence on the success of mortgage bank loans). In addition, if the owner of the real estate license has minor children, please provide birth certificates; If the property has a bank loan, please provide the original loan contract and the latest bank statement; In order to get the mortgage loan approved, please provide as many other family property certificates as possible (other property certificates, stocks, funds, cash passbook, vehicle driving license, etc.). ).

Third, the handling process:

1. The buyer and the seller sign the house sales contract, and stipulate the down payment, loan and final payment; 2. The purchaser and spouse apply for a loan from the bank, and the seller and spouse are present for confirmation; 3. The bank examines and approves the loan application; 4. The buyer signs a loan and guarantee contract with the bank; 5. The seller transfers the property right of the house to the buyer, and the seller obtains the down payment from the buyer; 6, the buyer and the bank for real estate mortgage registration (or by other natural persons and legal persons to provide phased guarantee for the buyer); 7. The bank issues loans to the seller's account; 8. The buyer and the seller settle the house payment, and the seller obtains the final payment from the buyer; 9. Buyers take back their houses and repay them on a monthly basis.

4. What conditions and matters do Tangshan need to handle housing loans?

I try my best to answer that you must have the down payment of 1 that I paid last year. For example, if you want 65438+ million, you need to prepare yourself; 2. The loan is in progress. Id card, salary certificate, marriage certificate (or single certificate guarantor. This guarantor must be a pure natural person, that is, he has no money owed to the bank or is also in mortgage projects such as buying a house with a loan. Whether your job is stable is also very important. If it is a public institution, the bank will give you a loan soon. If you work in a small business, it is difficult for banks to answer.