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Provisions for early repayment of five bank mortgages
1. China Merchants BankPrepayment: If the customer has the right to mortgage the bank, it usually takes three to four working days to make an appointment. If you do not have a license, you can repay at any time without prior reservation. If the customer has passed the self-service repayment function, they can do it at any time via telephone banking and online banking.Repaying loans in advanceThere is no need to go to the business outlets to handle the procedures for repaying loans in advance. If the customer goes to the counter to handle the early repayment of the China Merchants Bank, he only needs to bring a valid ID card to handle it. As for whether China Merchants Bank's early repayments are subject to liquidated damages, it depends on the contractual agreement between the client and the bank. If the contract does not have this agreement, there is no penalty for repayment in advance.
2. ICBC's early repayment: For the ICBC's prepayment, the staff of the ICBC Tielingtou Sub-branch said that the customer carries the original ID card, the repayment of the ICBC bank card or passbook, and the loan contract to the original loan management office. Fill out the form and submit a written application. After approval by the bank, some or all of the loans will be repaid in advance. The approval period for ICBC's early repayment is about one week. The liquidated damages shall be collected according to the loan contract and collected at other ICBC outlets. Please consult the outlet staff for the loan repayment.
3. ABC's early repayment: The customer should generally repay the principal and interest according to the loan contract agreed by the borrower and the lender. If the situation is special and it is necessary to repay the loan in advance, it should submit a written application to the handling office in advance, and the approval will be given. Hand in early loan repayment procedures. When applying for early repayment, the client should provide my ID card, early loan repayment application and loan contract. Whether to pay the liquidated damages in advance to repay the loan, according to the provisions of the loan contract.
4. BOC's early repayment: before 2005MortgageThe client himself will go to the Bank of China Jinhua Branch on Tuesday and Thursday to apply for early loan repayment, no need to make an appointment. After the mortgage is processed in 2005, the client himself will go through the ID card, repayment passbook or Bank of China bank card to the loan management office. The repayment of liquidated damages in advance is stipulated in the contract. Whether it is necessary to make an appointment in advance for repayment of loans, it is necessary to ask the staff of the office to handle the operation. Different outlets have different regulations.
5. CCB's early repayment: the customer must repay the loan in advance to apply for the original loan agency, and make an appointment one month in advance according to the contract. In actual operation, some agencies are on the go, and some are handled according to the appointment time. It is best for customers to contact the agency in advance. Whether to pay a liquidated damages in advance to repay the loan, according to the relevant terms of the contract. You must bring your original ID card and remittance passbook (or savings card).
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