First, check the requirements for early repayment in the loan contract, and pay attention to whether it is necessary to pay a certain penalty for early repayment.
2. Call the loan bank in advance to inquire about the application time and low repayment amount of the loan and other materials that need to be prepared.
Third, according to the requirements of the bank, individuals apply to the relevant departments for early repayment.
Four. The borrower shall go through the relevant prepayment procedures at the borrowing bank with relevant certificates.
5. Submit the prepayment application form and deposit the prepayment in the counter.
Mortgage, also known as house mortgage. Property buyers fill in the mortgage loan application form to the bank and provide documents required by legal documents such as ID card, income certificate, house sales contract and guarantee letter. After passing the examination, the bank promises to issue loans to the buyers, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyers and the mortgage loan contract signed between the bank and the buyers. The bank will directly transfer the loan funds to the account of the seller's unit in the bank within the time limit stipulated in the contract.
What are the requirements for repaying loans in advance?
First, make an appointment with the loan bank in advance.
The time to repay the loan in advance does not depend on your mood, and the bank needs to approve it first. You can repay the loan in advance only if the bank approves it. Therefore, when you plan to repay the loan in advance, you'd better make an appointment with the loan bank one week in advance.
Second, repay the loan fee first.
For repaying the loan in advance, the bank will charge a certain fee, and the most common one is liquidated damages. Different banks have different standards for collecting liquidated damages, so it is best for buyers to consult the loan bank first.
Third, the prepayment amount is limited.
For partial repayment in advance, it is not as much as the buyers want to pay back, but there are restrictions. Generally speaking, the minimum repayment amount is 6,543,800 yuan. Secondly, the repayment amount must be an integer multiple of 6,543,800 yuan.
Fourth, there are requirements for repaying loans in advance.
Most banks have requirements on the time to repay loans in advance. For example, they can only apply for early repayment after one year of repayment. Therefore, if the repayment time does not meet the requirements, you cannot apply for early repayment.
Fifth, there are many requirements for early repayment of portfolio loans.
Many homebuyers have adopted a combination of loans to buy a house. They wanted to repay the commercial loan before repaying the loan in advance, but they were rejected! The reason is that when the portfolio loan is repaid in advance, not only one of them can be repaid, but a certain proportion must be maintained.