Hello! The handling method of prepayment of personal housing mortgage loan of Agricultural Bank of China is as follows: When the borrower applies for prepayment of mortgage loan, he must submit a written application to the lender at least 30 days in advance and get the consent of the lender. As the actual situation varies from place to place, please contact the Lender's account manager for communication. The information to be carried in the prepayment of individual housing loan is the borrower's identity document, the individual housing loan guarantee contract and the original housing loan repayment card (discount), and an application shall be submitted to the original loan agency in advance according to the contract. Please consult your local loan bank for details. The collection standard of liquidated damages for prepayment is based on the loan contract signed by the customer and our bank. Please check the loan contract or contact the loan agency for verification.

(Answer time: 165438+20221October 07. In case of business changes, please refer to the actual situation. )

Is it worthwhile for the average capital to pay off the loan three years in advance?

It is more cost-effective to repay the mortgage in advance by equal principal and interest repayment method.

Because if you pay off in advance, the interest will only be calculated to the payment date; If partial repayment is made in advance, the subsequent interest will not be calculated according to the total loan amount, but will be recalculated according to the remaining outstanding loans. Therefore, prepayment can reduce certain interest. If the interest is less, the repayment burden of customers will naturally decrease accordingly.

After partial repayment in advance, customers can also choose to reduce the monthly payment or shorten the repayment period according to their repayment ability. Reducing monthly supply can reduce the pressure of monthly supply; Shortening the term can settle the debt earlier.

It should be noted that the earlier you choose to prepay, the more interest you can reduce. Of course, if the bank has a limit on the time of prepayment, and the customer prepays before the specified time, even if the interest is reduced, the customer still needs to pay a certain penalty. In this regard, customers are advised to wait for a specified time (mostly one year) before operating prepayment.

Make a repayment.

First, if you have the need or possibility to repay in advance, then you must use the repayment method of average capital when lending. Although the repayment pressure in front of the average capital is great, you will suffer less if you repay in advance.

Secondly, if you really want to repay in advance and have a lot of money in the economy, you can apply to the bank to use the repayment method in the average capital. In this way, the average capital can be used for early repayment, but only if the bank agrees to change the repayment method.

In fact, the difference between equal principal and interest and average capital is obvious. But the bank won't tell you that. The general bank will recommend the repayment method of equal principal and interest to you, so if you insist on using the repayment method of average capital to repay in advance, you can apply.

How to calculate the interest of Ping An Bank loan three years in advance?

Interest calculation for repaying the loan three years in advance:

Because the borrower's production and operation situation or other circumstances will change, sometimes the borrower will repay in advance without borrowing funds. If the parties have an agreement on early repayment in the loan contract, it is necessary to determine whether it is approved by the lender and how to calculate the interest according to the agreement.

If the parties have not agreed on prepayment in the contract, and prepayment does not harm the interests of the lender, the interest may be calculated according to the actual loan term without the consent of the lender; If the prepayment damages the interests of the lender, the lender has the right to refuse the borrower's prepayment request.

If the Lender agrees to prepay, it shall be deemed that the Lender agrees to change the performance period of this Contract, and the Borrower shall pay the Lender interest according to the changed period, that is, the actual loan period. There may be two main changes in repayment interest:

1. For example, after the repayment has been partially paid, if the principal is repaid in equal amount, the interest will gradually decrease with the decrease of the repayment amount [2].

2. On the other hand, if the national policy changes, such as interest increase, then the repayment date, such as May 1 day, coincides with the policy in June, and your interest will change with the policy change in the following year 1 month 1 day.

Extended data:

Advance payment:

There are two kinds of prepayment, one is partial prepayment and the other is full prepayment.

Full prepayment refers to one-time settlement of mortgage principal and interest. After all prepayment, the interest shall be calculated from the date when the principal and interest of the bank are paid off, and shall be paid off later.

Partial prepayment means that only a part of the loan principal and interest is repaid, and the remaining principal and interest are not settled. The remaining loan interest is still subject to the loan interest rate agreed in the original loan contract.

There are two repayment methods to choose from for the part of the outstanding loan balance repaid in advance. One is to shorten the repayment cycle, and the monthly payment is inconvenient; Second, the repayment period remains unchanged, reducing the monthly payment. In contrast, the first one can save more interest.

Some banks will charge a certain fee for prepayment. ICBC needs to charge 2-3 months' interest as handling fee, while ABC, BOC and BOCOM charge one month's interest. Among them, the Agricultural Bank of China will charge one month's interest for prepayment within three years, and will not charge it after three years. Shanghai Pudong Development Bank said that if repayment is made two years in advance, a handling fee of 3% of the repayment amount will be charged, and no handling fee will be charged after two years.

In addition, it should be noted that most banks require repayment for at least one year before applying for early repayment. If buyers want to apply for early repayment, they should pay attention to the relevant requirements in the loan contract, otherwise they may have to pay a certain penalty.