1. Prepare repayment information. If you are really a friend who intends to repay the loan in advance, you can call the loan bank in advance to inquire about the application time and minimum repayment amount and other materials that need to be prepared, mainly including the loan contract, my ID card, repayment card and so on.
2. Submit the repayment application. After consulting the loan bank about the relevant provisions of early repayment, the buyers can personally submit the repayment application to the relevant departments according to the requirements of the bank.
3. Go through the prepayment procedures. After the application for prepayment is approved, the buyer can bring relevant documents to the borrowing bank, go through the relevant formalities for prepayment, submit the application form for prepayment and deposit the prepayment money at the counter.
4, for surrender, cancellation of mortgage registration. After paying off the loan, the buyer should not forget to surrender to the insurance company and other relevant departments, and then go to the local real estate transaction hall to cancel the mortgage registration, because before canceling the mortgage registration, the property right of your house still belongs to the bank.
This is a key point. The general house property certificate is mortgaged by the bank during the mortgage period, and the mortgaged house cannot be rented or resold. So the mortgage must be released after the loan is paid off. Otherwise, the mortgage record is still filed in the real estate department, laying a hidden danger for the future. The above is a summary of how to repay the loan in advance, hoping to help you.
Second, the real estate license has not yet been completed. How can I repay the loan in advance?
You can return it in advance, just go through the formalities with the bank. If the mortgage of the construction-in-progress project handled by the house is repaid in advance, the mortgage of the construction-in-progress project can be released, and there is no procedure of releasing the mortgage first.
3. How to repay the loan in advance before the real estate license is completed?
If there is no real estate license, you can't go through the formalities of repaying the loan in advance. The loan repayment procedure is as follows: 1. Procedure: 1. Full prepayment: After the loan bank verifies the relevant materials, it can go through the prepayment procedures. 2. Early repayment with the same loan term: the loan bank instructs the borrower to fill in the relevant agreement. If the original loan guarantee method is mortgage insurance and mortgage registration has not been done, you need to go to the insurance company designated by the city center to go through the formalities of reducing the insured amount with the original policy, your ID card and relevant agreements, 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 mortgage registration has been completed, and the borrower who chooses non-mortgage insurance applies for partial repayment in advance and shortens the loan term: the loan bank instructs the borrower to fill in the relevant agreement, and the signed agreement is sent to the corresponding sub-center by the loan bank in time. 4. The mortgage insurance chosen as the original loan guarantee method is still within the insurance period, and the mortgage registration has not yet been handled: the borrower can apply for partial repayment in advance and shorten the loan period, which can be handled directly at the guarantee center. 2. Repayment procedure: According to bank regulations, customers need to submit a written application one week to one month in advance to agree on the repayment date. Then, according to the agreed date, bring your ID card and the loan contract signed with the bank to the bank to fill in the loan repayment application form and prepayment agreement, and deposit the money to be repaid into your account for withholding the loan principal and interest according to the requirements of the bank, and the bank will automatically deduct the money. There is no limit to the number of times a bank repays the loan in advance, and it can pay off the loan in whole or in part. It's just that the starting amount of each loan repayment is different from bank to bank. Some regulations are 65,438+0,000 yuan or multiples of 65,438+0,000 yuan, and some banks stipulate that the loan can be repaid in advance if it is more than 1000 yuan. Some borrowers who repay loans in advance can choose two ways: one is to reduce the monthly repayment amount and keep the repayment period unchanged; The other is to shorten the repayment period and keep the monthly repayment amount unchanged. If the income of the lender keeps increasing, you can choose the repayment method of shortening the loan term and realize the desire of being debt-free as soon as possible. If the income does not increase too much, you can reduce the repayment amount and keep the repayment period unchanged, which will reduce the repayment pressure. It is worth mentioning that the prepayment application form is irrevocable once confirmed by the borrower's bank. As a supplementary clause of the loan contract, it has the same legal effect as the loan contract. If the loan purchaser fails to repay the loan in advance according to the date and amount specified in the application for prepayment sent to the borrower's bank for any reason, it will be regarded as overdue repayment, and the loan purchaser will bear corresponding liabilities for breach of contract according to the loan contract.