At the end of each year, many mortgage borrowers will repay the loan in advance to reduce the cost of mortgage. So, how to make an appointment to repay the loan in advance? How to operate specifically? Below, we are here to make a specific introduction for everyone.
How to make an appointment to repay the loan in advance? The appointment method is as follows:
1. Commercial loans: There are two ways to make an appointment for commercial loans. One way is to make an appointment by phone. The applicant calls the loan bank and tells it that it needs to repay in advance. The applicant waits for the bank to arrange an appointment time and make repayment at the bank according to the appointment time. The other is to go directly to the original loan handling network, fill in the form as required, submit a written application, and repay the loan in part or in whole after approval by the bank.
2. Provident fund loan: If you want to repay part of the provident fund loan in advance after one year of normal repayment, you need to bring the ID card of the main lender, the repayment account (and deposit it in cash), the first statement, the original loan contract, etc. Make an appointment with the original loan bank in advance;
How to operate the house loan in advance? The specific steps are as follows:
The first step is to clearly understand the provisions on early repayment in the signed loan contract, and pay special attention to whether it is necessary to pay a certain percentage of liquidated damages for early repayment.
Step 2: Call the personal loan center of the loan bank to find out the information about prepayment, contact the salesman or account manager who handles the loan, and ask whether prepayment can be made and whether an appointment is needed.
It is worth noting that some banks' departments for repaying loans in advance are not in the same place as bank branches, so you must ask clearly before leaving, and at the same time, you must be clear about the materials you need to carry for repaying loans in advance.
The third step is to make an appointment. The way to make an appointment is to call or go directly to the prepayment execution department.
Step 4: Fill in the prepayment application form and submit the ID card, loan contract and other materials.
Fifth, the borrower deposits the advance payment, and the bank can deduct it from the loan principal, which can be completed in a short time.
How to book a student loan online?
The method of online booking for student loans;
1. Open the App on your mobile phone and click Loan on the home page.
2. Pull down to the bottom and click on the loan appointment.
3. After filling in the relevant information, check the power of attorney.
4. Read the authorization letter of personal credit information business carefully and click "Agree".
5. Just click Submit Appointment.
There are two kinds of student loans in CDB: prepayment and maturity.
Users who prepay need to apply for prepayment in CDB student loan system before 0: 00 on June 1 1 of the current month, otherwise they cannot repay. For specific operations, you can contact the teacher in charge of student loans or contact CDB for consultation.
Do I need to make an appointment in advance to buy a house loan?
Early mortgage repayment requires an appointment. The borrower must make an appointment with the bank first, and then submit a written application for early repayment to the bank within the agreed time; After that, the borrower can enter the prepayment operation after the bank approves the prepayment, and put the money into the bound repayment bank card for the bank to deduct.
If the borrower directly deposits the money into the bound repayment bank card without making an appointment with the bank or applying for early repayment, the banking system will not deduct more, but will only deduct the corresponding amount from the card according to the total amount due in the current month. Therefore, the borrower can't repay the loan in advance without making an appointment and applying first.
It should also be noted that banks generally have certain requirements for prepayment of mortgage loans. If the borrower does not meet the requirements, even if the application is submitted to the bank, the bank will not approve it. If the audit fails, the borrower cannot repay the loan in advance.
Specific requirements may vary from bank to bank. Some banks have restrictions on repayment time, and some banks have restrictions on repayment amount. If you are not clear about the specific requirements, you can consult the staff of the loan bank.
Before applying for a loan, you can go to Beijian to check your credit status quickly. If your credit is not good, you can wait for a while, and then apply when the credit risk score is not high and there is almost no stain, which will make it easier to pass.
Extended data:
How many days does it take to make an appointment to repay the loan in advance?
First, you need to call the bank to show your purpose, and then you need to make an appointment with the bank. When the appointment is made, the lender needs to go to the bank to fill in a written application form for prepayment, and then wait for the bank to review it.
The bank audit takes about 3-7 working days. After the approval, the bank will remind the lender by SMS or telephone. After that, the lender needs to put the remaining unpaid mortgage amount into the bound repayment card.
After ensuring sufficient balance, the bank will deduct the mortgage amount within the agreed time. After the deduction is successful, the loan will be repaid in advance. Banks also have certain requirements for the user qualification of prepayment. Lenders should make an appointment one week in advance when applying for prepayment, so as to allow themselves time to prepare relevant materials.
When repaying the loan in advance, in addition to relevant information and mortgage, the lender also needs to prepare a certain amount of liquidated damages. Each bank has different provisions on liquidated damages for early mortgage repayment. For example, CCB stipulates that if the lender repays less than one year, it needs to pay 3% of the mortgage amount as liquidated damages.
If the lender repays the loan for more than one year, it needs to pay 2% of the mortgage amount in advance as liquidated damages.