Legal Subjectivity:

China Construction Bank: If the loan is repaid in advance within one year, 3% of the prepayment amount will be charged. If the loan is repaid in advance between one and two years, 2% of the prepayment amount will be charged. If the loan is repaid in advance between two and three years, 1% of the prepayment amount will be charged. Agricultural Bank of China: Early repayment of a loan less than one year will be charged based on the principal multiplied by the monthly interest rate. The monthly interest rate is the loan interest rate divided by 12 months minus the number of repayment months. If the loan is repaid early after one year, as long as there is no previous record of early repayment, no penalty will be charged. If you have already taken early repayment and apply again after one year, no penalty will be charged. Industrial and Commercial Bank of China: If the loan is repaid in advance within one year, 5% of the early repayment amount will be charged as liquidated damages. If the loan is repaid early after one year, no penalty will be charged. Bank of China: If a loan is repaid in advance within one year, a maximum of six months interest penalty (calculated based on the loan interest rate on the date of early repayment) will be charged. If the loan is repaid early after one year, no penalty will be charged. Bank of Communications: Partial prepayment of loans requires a minimum of 6 times the monthly repayment, and a maximum of 35% of the monthly repayment. Partial prepayments can be repaid free of charge once a year. All early repayers are required to pay liquidated damages, which is 1% of the current repayment amount. However, the specific repayment amount must be implemented in accordance with the contract. The above are the regulations for charging liquidated damages by some banks. The specific number is related to the interest rate of our loan. Everyone is different. However, if you want to repay the loan in advance, it is best to consult the bank in advance. Note: If the borrower wants to repay the loan in advance, he or she must go to Tianjin Rural Commercial Bank to go through the approval procedures with his or her ID card and loan contract after applying by phone or in writing. If the borrower has paid off the entire balance, after the Rural Commercial Bank calculates the remaining loan amount, it will deposit enough money to repay the loan in advance. Repaying part or all of a personal housing loan in advance means that the borrower repays a certain amount or all of the loan in advance on the basis of guaranteeing to repay the principal and interest of the personal housing loan on a monthly basis in order to "shorten the repayment period and reduce interest expenses." Purpose. The specific method of "partial advance" is: the first bank must ensure that the monthly repayment amount after advance exceeds the original repayment amount, so that it can apply for partial early repayment. Legal objectivity:

Article 32 of the "General Principles of Loans" The borrower shall repay the principal and interest of the loan in full and on time in accordance with the loan contract. The lender shall send a notice of principal and interest repayment to the borrower one week before the expiration of a short-term loan and one month before the expiration of a medium- and long-term loan; the borrower shall prepare funds in a timely manner and repay the principal and interest on schedule. Lenders must promptly issue collection notices for overdue loans and do a good job in collecting the principal and interest of overdue loans. If the loan cannot be repaid within the time limit stipulated in the loan contract, the lender shall impose penalties and interest in accordance with regulations; if the loan cannot be repaid or cannot implement the repayment of principal and interest, it shall urge the repayment or prosecute in accordance with the law. The borrower must negotiate with the lender to repay the loan early.