Reserve a loan bank. Prepare your loan contract, repayment bank card and identity document, and take the money or card you need to pay back to the bank to fill out the application form. The house bought by the loan is mortgaged. After paying back the money, you have to go to the Housing Authority to cancel the mortgage.

According to the regulations of the bank, customers who repay the loan in advance need to submit a written application one week and one month in advance to agree on the repayment date. Then, according to the agreed date, bring your ID card and the loan contract signed with the bank to the bank to fill in the loan repayment application form and prepayment agreement, and deposit the money to be repaid into your account for withholding the loan principal and interest according to the requirements of the bank, and the bank will automatically deduct the money.

Procedures and processes required for prepayment of mortgage loans:

1. Appointment: You need to make an appointment to repay the loan, and the time of each branch of each bank is different. You can make an appointment on the same day and pay back the next day. Some may take several months. If you want to repay the loan in advance, make an appointment first.

2. Preparation materials: prepare your own loan contract, repayment bank card and identity documents, and go to the bank to fill out the application form with money or card. Deposit the money to be repaid in the bank card and go to the bank to fill out the repayment application form. If the money is transferred to the repayment card on other bank cards, wait for the bank to deduct the money.

3. Cancel the mortgage: Because the house bought by the loan is mortgaged, you need to go to the Housing Authority to cancel the mortgage after paying back the money. However, it usually takes a little longer. If you need to sell a house, it is recommended to cancel the mortgage.

It should be noted that you should not repay the loan in advance within the first year. According to the relevant provisions of provident fund loans, the repayment amount should be in advance after 1 year repayment, and the repayment amount should exceed the repayment amount of 6 months. Another point is that the loan contract stipulates that those who repay the loan in advance shall not be overdue. If it is overdue, you should pay off the arrears first and then apply for early repayment.