1. Make an appointment with the bank account manager in advance;
2. Bring your ID card to the bank outlet for loan business at the appointed time;
3. Liquidated damages are required for prepayment (different banks have different liquidated damages standards for prepayment, and different branches of the same bank have different liquidated damages for prepayment), as follows:
3. 1 The minimum amount of prepayment shall not be less than 6 times the monthly repayment amount, and the maximum amount shall not exceed 35% of the monthly repayment amount. Some advance payments can be paid back once a year for free.
3.2 All prepayments are subject to liquidated damages. If the loan is repaid one to two years in advance, 2% of the prepayment amount will be charged; If the loan is repaid two to three years in advance, 1% of the prepayment amount will be charged. However, the specific repayment amount needs to be implemented in accordance with the contract.
4. Pay off the remaining loans first, and the bank will print the settlement voucher on the spot;
5. It takes 1 week for the bank to cancel the mortgage, and the main lender goes to CCB to get the materials; In addition, you can also fill in the power of attorney in the bank and let others collect it on your behalf;
6. After paying off the loan, the main lender (or the sub-lender with the relationship certificate) needs to go through the mortgage cancellation procedures of the provident fund loan at the provident fund management center and obtain the certificate stamped with the red seal.
7. Finally, together with the certificates of cancellation of mortgage registration by both parties, go to the real estate trading center to cancel the real estate mortgage registration.