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Construction Bank provident fund mortgage early repayment process
PrepaymentConditions: According to the provisions of Article 13 of the loan contract andProvident FundSystem settings need to meet the following conditions: 1, the borrowing of one year (that is, for 12 years,loanThe applicant can apply for an advance repayment from the loan department of the entrusted loan). 2. In the case of an early repayment, the loan applicant does not have any amount due, but not limited to, the principal, interest and interest 3, the loan applicant must apply to the entrusted lender 15 days in advance and with the consent of the lender; 4, the loan applicant in advance of the part of the return of the loan; , The amount of repayment in advance must be an integer multiple of million, and the interest rate is still the same as the original loan period interest rate implementation; 5, the loan applicant twice the early repayment interval of not less than 6 months.
Early repayment process: early repayment application, in the contract charge date one day ahead of the total amount of advance repayment credited account - early settlement of the loan required in the system automatically charge three days after the entrusted loan line to a loan Cancellation of mortgage application (part of the original do not need this operation)
Information preparation and attention: early repayment application: the loan applicant with a loan contract, my identity card to entrust the loan line to the loan department for early repayment application, the entrusted loan will review the loan applicant information, in line with the early repayment The conditions will be in the new provident fund system for early repayment application operation, and print the early repayment of the single payment of the applicant to confirm the loan;
Note the following: 1. Charge three days before and after three days, the system can not apply for early repayment, need to avoid this time period. 2. Early repayment system to implement automatic debit, the default date is the next contract after the date of the contract. 3. in the repayment day before the day in advance to ensure that the supply account has enough early repayment amount, such as the date of repayment day can not be normal charge, early repayment application failure; 4. charge three days after the cancellation When the mortgage application is made, if the loan applicant has two or more persons, it is necessary to prepare all the identity cards and copies of the loan applicants.
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