1. First, users need to call the official customer service hotline of Industrial Bank to make an appointment with the bank staff.
2. After the appointment is successful, agree on the time to repay the loan in advance, and bring personal ID card, repayment bank card, mortgage contract and other materials to the Industrial Bank camp to fill in the application form for early repayment;
3. After the bank's audit and approval.
4. The user will deposit the amount of mortgage repayment in advance into the repayment bank card account, and the system will automatically start from this account.
1. How does prepayment behave in credit reporting?
Your loan or mortgage has been repaid in advance. If it is all prepaid, it will be displayed in the credit record as of your repayment date.
If part of the repayment is made in advance, the balance is your remaining principal on the credit date. So you paid in advance, but the repayment record of the corresponding credit will be updated, so it has no effect.
1, prepayment by credit card
Paying back the credit card arrears in advance helps you maintain a good repayment habit, and the credit report shows that your personal credit is good. Money makes a good impression on the bank, and it is easier to increase the quota when applying.
2. Repay personal loans in advance
Repaying the loan in advance does not necessarily mean that you have strong repayment ability and good credit. Judging from the loan contract, early repayment is a breach of contract, and the borrower should bear the corresponding liability for breach of contract and pay a certain amount of liquidated damages as agreed in the contract.
It is understood that when lenders submit users' "advance payment" information to the credit information system of the People's Bank of China, some lenders will regard "advance payment" as negative information in "special transactions". But in any case, you just repaid the loan in advance, and your personal credit record is still good.
Second, the Industrial Bank mortgage prepayment process
The prepayment process of Industrial Bank mortgage is as follows: 1. 1. Check the requirements for prepayment in the loan contract; 2. Call the loan bank 15 days in advance to inquire about the loan application time, minimum repayment amount and other materials to be prepared in advance; 3. Apply in person to the relevant departments for prepayment according to the requirements of the bank; 4. The borrower shall go through the relevant prepayment procedures at the borrowing bank with relevant certificates; 5. Submit the prepayment application form and deposit the prepayment in the counter; 6. The bank will automatically deduct the money, and after the deduction, it will deduct the documents for the lender; 7. The lender will hand over the deduction documents to the staff at the repayment window, and the bank will give the lender a settlement certificate. Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and other legal documents filled out by the buyer to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract. Housing mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan. The borrower's real estate, securities and other documents can legally obtain the lien and pledge of the borrower's property through certain contracts. This kind of loan is actually a loan method in which the debtor (mortgagor) legally transfers the property ownership to the creditor (mortgagee) to obtain a loan. During this period, if the debtor fails to repay the loan principal and interest on schedule, the creditor has the right to dispose of the collateral and get priority compensation. This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans.
3. Industrial Bank online mortgage prepayment process?
Answer: Industrial Bank pays off the mortgage in advance online: find and click to open the installed Alipay app on your mobile phone, and then log in to our Alipay account. In the Alipay main interface that opens, click the "I" tab in the lower right corner.
In the opened My Page, click the "Bao Yue" menu item.
On the drop-down page of the balance treasure page at the back, find the menu item "owing on the loan housekeeper".
In the loan repayment manager page that opens, select the loan repayment type, such as mortgage repayment.
This will open the mortgage repayment page, where you can set the repayment amount, bank and repayment time, and then click the "Finish" button below.
Next, you will be asked to enter a password for verification. If you have fingerprints, you can also use them for verification.
4. What should Industrial Bank do to pay off the mortgage in advance?
But this is not good for banks. It's good for you to repay the loan in advance! I suggest you consult the bank, which is a breach of contract. Anyway, the bank won't let you take advantage. I'm not sure about the details.