Banks are allowed to repay loans in advance at different times. Most banks can apply for early repayment after one year of repayment, and some banks can repay loans in advance at any time. Pay attention to the repayment time of the loan bank when repaying the loan in advance;
The loan life of general mortgage is more than 10 years, during which it is inevitable for banks to adjust interest rates. If they are in the interest rate cut channel, it is obvious that the faster they adjust, the more cost-effective.
No matter whether the loan is repaid in advance or according to the contract, the mortgage registration must be cancelled after the loan is paid off.
Postal savings in China can be traced back to the postal savings business started in 19 19, which has a history of one hundred years. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Limited was formally established. 20 12 1 month, the whole company was restructured into a joint stock limited company. From 20 15 to 12, ten domestic and foreign strategic investors were introduced. 2065438+listed on the Hong Kong Stock Exchange in September 2006. 20 19 to 12 were listed on the Shanghai Stock Exchange, and the three-step reform goal of "share reform-leading battle-listing in A and H" was successfully completed.
The bank has nearly 40,000 outlets, serving more than 600 million individual customers, giving full play to the unique mode advantage of "self-support+agency" to serve "agriculture, rural areas and farmers", urban and rural residents and small and medium-sized enterprises. With excellent asset quality and remarkable growth potential, the Bank is a leading large retail bank in China.
The Bank insists on serving the real economy, actively implements the national strategy, supports the construction of China's modern economic system, and realizes its own sustainable development. Adhere to customer-centric, build an online and offline integrated financial service system, and provide our customers with high-quality, convenient and efficient integrated financial services. Adhere to the risk orientation, constantly improve the "all-round, all-round, all-staff" comprehensive risk management system construction, and maintain the excellent level of asset quality. Adhere to the mission of "inclusive urban and rural areas, so that financial services have no distance" and provide inclusive finance services; Follow the trend of residents' wealth growth and consumption upgrading, and develop wealth finance; Support the transformation and upgrading of industrial structure and develop industrial finance; Implement the major deployment of peak carbon dioxide emissions and carbon neutrality, and develop green finance. Empower high-quality development with financial technology and build a digital eco-bank that serves rural revitalization and new urbanization.