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Construction Bank Provident Fund mortgage advance repayment process

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

  PrepaymentConditions: According to Article 13 of the loan contract andProvident FundThe system settings need to meet the following conditions: 1. After the loan is full for one year (that is, after the expiration of 12 periods)loanThe applicant can apply to the lending department of the entrusted loan bank for early repayment. 2. When the loan is repaid in advance, the loan applicant does not have any money due due, including but not limited to the loan principal, interest, and penalty interest. , liquidated damages and other expenses (that is, normal mortgage repayment before the advance); 3, the loan applicant must apply to the fiduciary loan 15 days in advance, and subject to the consent of the lender; 4, the loan applicant in advance part of the original The amount of early repayment must be an integral multiple of ten thousand yuan, and the interest rate after repayment is still executed according to the interest rate of the same period of the original loan term; 5. The loan applicant’s two early repayment intervals shall not be less than six months.

Early repayment process: In advance of repayment application, the total amount of early repayment will be deposited into the debit account on the day prior to the deduction date of the contract - early settlement of the loan will be made to the loan-loan department of the entrusted loan bank three days after the system automatically debits the loan. Write-off mortgage debit application (some repayments do not require this operation)

Data preparation and points of attention: Advance repayment application: The loan applicant himself brings the loan contract, and his ID card comes to the loan department of the entrusted loan bank to make an early repayment application. The entrusted loan bank will review the relevant information of the loan applicant and meet the advance repayment. The condition will be applied for early repayment in the new provident fund system, and the prepayment remittance will be printed and submitted to the applicant for confirmation;

Note the following: 1. Three days before and after the deduction date, the system cannot apply for early repayment, and this time period must be avoided. 2. The automatic prepayment system implements automatic deductions. The deduction date defaults to the next contract deduction date after application. 3. To ensure that the mortgage account has sufficient amount of early repayment on the day before the repayment date, if the deposit is not available on the day of repayment, the early repayment application will be invalid; 4. When applying for a mortgage, if two or more loan applicants need to prepare all loan applicants’ identity cards and copies, they must come to handle the application.

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