1. Repay in full in advance, and the loan bank will go through the formalities of prepayment after reviewing relevant materials.
2. If the repayment is made in advance and the loan term remains unchanged, the loan bank will instruct the borrower to fill in the relevant agreement. If the original loan guarantee method is mortgage+insurance and mortgage registration has not been handled, the original insurance policy, my ID card and relevant agreements are required to go to the insurance company designated by the city center for insurance reduction procedures, and the final agreement should be sent to the corresponding sub-center by the loan bank in time.
3. If the original loan guarantee method is mortgage+insurance and the mortgage registration has been completed, the borrower who chooses non-mortgage+insurance applies for partial repayment in advance and shortens the loan period: the loan bank instructs the borrower to fill in the relevant agreement, and the signed agreement is sent to the corresponding sub-center in time by the loan bank.
4. The original loan guarantee method was mortgage+insurance, which is still within the insurance period, and the mortgage registration has not been completed: the borrower can apply for partial repayment in advance and shorten the loan period, and can go directly to the guarantee center for handling.
If you want to repay the loan in advance, it is recommended to make an appointment with the rural commercial bank in advance and pay attention to the repayment procedures. In addition, different prepayment methods have different prepayment processes, which can be selected according to repayment methods.