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How to pay for loans in advance
The repayment procedures for different car loan methods are different, and there are different rules for whether to pay the late payment loan in advance.
General bank car loanPrepaymentIt is necessary to make an appointment about 15 days in advance. Different lending institution regulations are different. Specifics can be applied to the applicant department. After the appointment is made, the relevant information required for early repayment will be prepared in accordance with the scheduled time and place, and will be ready at the place of reservation.
Information required for early repayment of personal car loans, including personal identification cards, and bank-signedLoan to buy a carThe contract, the loan repayment application form completed by the bank, and the repayment statement for the previous monthRepayment in advanceAgreements and other information required by the bank. After preparing these materials, the information will be submitted to the bank staff and handled by the staff. The final loan applicant can deposit the advance repayment amount into the bank.
It should be noted that early repayment will result in liquidated damages, especially if the loan for a car is less than one year old, most banks will charge a penalty penalty, and the penalty for payment is still relatively high, so before the decision to repay the loan in advance , Loan car buyers should be in advance to estimate the cost of repayment, to see if early repayment is worthwhile.
In addition, if you choose to make a one-time early repayment, usually the bank will have provisions for the time to buy a car loan, for example, some banks provide a one-year limit, the minimum amount of early repayment is six times the normal monthly repayment amount. If you do not pay off at one time, the phased purchaser can choose the treatment method according to the bank's regulations and his own financial status. After the loan is settled, the loan applicant shall return the legal evidence and relevant supporting documents to be collected by the bank with his valid identity certificate and the loan settlement voucher issued by the bank, and the loan shall be cleared to the original mortgage registration department for cancellation of mortgage registration. formalities.
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