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CCB's provident fund mortgage repayment process

Time: 2016-11-17         Source: Rong 360 finishing         Author: 360 Financial consolidation

  PrepaymentConditions: According to Article 13 of the loan contract andProvident fundThe following conditions must be met for the system setting: 1. After the loan has been completed for one year (ie, after 12 periods have expired,loanThe applicant can apply for early repayment from the loan department of the entrusted loan company; 2. When the repayment is made in advance, the loan applicant does not have any unpaid amount due, including but not limited to the loan principal, interest, and penalty interest. , liquidated damages and other expenses (that is, the normal supply is required before the repayment); 3. The loan applicant must apply to the entrusted lender 15 days in advance and accept the consent of the lender; 4. The loan applicant repays the loan in advance. The amount of repayment in advance must be an integral multiple of 10,000 yuan, and the interest rate after repayment is still executed according to the interest rate of the original loan period; 5. The loan applicant's two prepayments must not be less than 6 months.

Advance repayment process: Advance repayment application, deposit the total amount of prepayment in advance on the day before the contract deduction date. In advance, the loan must be settled in the loan department of the entrusted loan bank three days after the system automatically deducts the loan. Cancellation of mortgage application (some of this is not required)

Data preparation and points of attention: Early repayment application: The loan applicant himself with the loan contract, my ID card came to the entrusted loan bank to apply for early repayment, and the entrusted loan bank will review the relevant information of the loan applicant, which is in line with the prepayment. The condition will be applied to the new provident fund system for early repayment application, and the pre-payment of the loan repayment loan applicant will be signed and confirmed;

Pay attention to the following: 1. The system cannot apply for early repayment within three days and three days before the deduction date. You need to avoid this period. 2. The prepayment system implements automatic deduction, and the deduction date defaults to the next contract deduction date after application. 3. To ensure that the mortgage account has sufficient early repayment amount in advance of the repayment date, if the repayment date is not correct, the prepayment request will be invalid; 4. The deregistration will be cancelled three days after the deduction. When applying for a mortgage, if the loan applicant has two or more persons, it is necessary to prepare all the loan applicant's ID card and photocopy.

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