How to apply for prepayment? What materials does CCB need to prepare to repay the loan in advance?

Buying a house by loan is a form that people will choose now, which can also reduce the pressure of buying a house, and it can also be an affordable way for many people. There are many ways to borrow money, and prepayment is one of them. If you have the ability, you can choose to apply for early repayment. What is the method of applying for prepayment? What materials should CCB prepare for prepayment? Let's take a look at the relevant content.

How to apply for prepayment?

1. If you want to know whether you can repay in advance, you can consult the loan bank, the counter or customer service. If you can repay the loan in advance, you need to prepare the required materials: my ID card, loan contract and other materials required by the bank.

2. According to the information obtained from the consultation, go to the prepayment management department of the bank to apply for prepayment, and the bank will let you fill out the prepayment application form. Note that when filling out the application form, you should carefully choose your own prepayment method. At present, there are generally two ways to shorten the repayment period and reduce the monthly payment.

3. After submitting the prepayment application form, deposit enough repayment amount into the designated bank account at the counter. If the loan is repaid in advance, banks will generally ask for payment of liquidated damages, and the regulations of banks on liquidated damages are different. This should be stated in the loan contract. After careful and accurate payment, the bank should issue a certificate of full repayment of the loan and stamp it to retrieve his right certificate.

What materials does CCB need to prepare to repay the loan in advance?

1. Generally, prepayment requires mortgage contract, lender's ID card, prepayment application form and other materials. Different banks have different regulations on prepayment, and the required materials are basically similar. Banks also have requirements for prepayment. Consult a bank, such as ICBC, in advance before repayment.

2. The housing loan contract, the lender's ID card, the bank card or passbook of the prepayment repayment account, and the prepayment application form. First, check the requirements for prepayment in the loan contract, and pay attention to whether there is a certain penalty for prepayment.

3. According to the requirements of the bank, you can apply for prepayment in person in the relevant departments. The borrower can bring relevant documents to the borrowing bank, go through the relevant formalities for prepayment, submit the prepayment application form and deposit the prepayment in the counter.

The above tips introduce the method of applying for early repayment of loans. To find out whether you can repay the loan in advance, you should consult a bank or a small loan. These tips are very important and need to be learned more. What materials should CCB prepare to repay the loan in advance, such as loan contract, ID card and so on?