If the loan interest rate fluctuates, the prepayment penalty shall not exceed1%of the prepayment principal;
2. If the loan interest rate is fixed, the prepayment penalty shall not exceed 3% of the prepayment principal.
According to the information you provided, the loan amount is 440,000 yuan, and the specific prepayment penalty is calculated as follows:
1. If the loan interest rate is floating interest rate, the liquidated damages for prepayment = 440,000 yuan ×1%= 44,000 yuan;
2. If the loan interest rate is fixed, the liquidated damages for prepayment = 440,000 yuan × 3% = 654.38+032,000 yuan.
According to the above calculation, the appropriate amount of liquidated damages for prepayment can be selected according to the loan interest rate type. If your loan interest rate is floating interest rate, the penalty for prepayment is 44,000 yuan; If the loan interest rate is fixed, the penalty for prepayment is 6,543,800 yuan+0,320 yuan.
Please note that the above calculation is for reference only, and the specific amount of liquidated damages for prepayment may be affected by contract terms and bank policies. It is recommended that you consult the lending institution or bank to obtain the exact amount of liquidated damages for prepayment.
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