The sad history of early repayment of children's shoes in Koharu
The house bought by Koharu Children's Shoes the year before last has performed well in the company today, and the year-end bonus figures at the end of the year are also very pleasing to the eye. So Koharu children's shoes with great interest went to the bank to handle the advance payment.
Finally, on the day of the appointment, I went to the bank with all kinds of documents, queued up, filled out the form, checked it, and was asked to pay liquidated damages. Koharu children's shoes hope to repay in advance by repaying the loan in advance, but the bank actually said that the repayment period could not be changed, and only the monthly payment could be reduced. In the long run, Koharu is very depressed.
Different banks have different prepayment procedures.
Each bank's business has its own characteristics, and the procedures and processes for prepayment are different. Generally, you need to call the bank for consultation, and the order of filling in the form and approval will be different, mainly in two categories.
The first category: make an appointment by phone before filling out the form.
For example, in most branches of Industrial and Commercial Bank of China and Bank of Beijing, borrowers can first agree with the bank on a repayment date, that is, at a specified time, and then go to the bank to fill out an application form for prepayment of personal housing loans.
The second category: fill in the form before approval.
Some banks need to fill in the application form for prepayment of individual housing loans. For example, China Construction Bank needs the approval of relevant banking departments before the borrower can repay the loan.
Not only that, different banks have different processing cycles, different ways to collect liquidated damages and different deduction times. Today's purchase guide also vomited blood to sort out the prepayment methods of several major banks, hoping to help you.
Bank of China
Appointment time: 30 days in advance
Repayment amount: at least 6,543,800 yuan each time.
Repayment time: wait for the bank's notice after the appointment is passed.
Liquidated damages: there are four situations: the liquidated damages for less than one year of mortgage is 3 months, and the application must be made one month in advance; Penalty for one year and less than two years for three months, and the certificate of ownership will be cancelled after about five working days; Penalty interest for mortgage payment for two years but less than three years 1 month; The mortgage contract of more than three years shall prevail.
Agricultural Bank of China
Appointment time: 30 days in advance
Repayment amount: integer multiple of 654.38+RMB 0,000.
Repayment time: wait for the bank's notice after the appointment is passed.
Liquidated damages: there are three situations, the penalty for less than one year is 6 months; You need to apply one month in advance; Penalty interest for less than one year and three months, and cancellation of ownership certificate in about 7 working days; Default interest on mortgage for more than three years 1 month.
Industrial and Commercial Bank of China
Appointment time: 30 days in advance
Repayment amount: 6,543,800 yuan or more.
Repayment time: after the appointment is approved, wait for the bank's notice, and the support situation will be different.
Liquidated damages: 3 months for failure to pay for 3 years, and 0/month for failure to pay for 3 years.
China construction bank
Appointment time: according to the situation of each branch, it usually ranges from 5- 10 or 30 days.
Repayment amount: integer multiple of 654.38+RMB 0,000.
Repayment time: after the appointment is approved, wait for the bank's notice, and the support situation will be different.
Liquidated damages: There are four situations. If the mortgage is less than one year, the penalty interest will be 3 months, and the application must be made one month in advance. Penalty interest for one year but less than two years for two months, and after about 1 working day, the transfer will be cancelled with the property certificate; Penalty interest for mortgage payment for two years but less than three years 1 month; There is no penalty interest for mortgage repayment for more than three years.
Bank of Communications
Appointment time: according to the situation of each branch, it usually ranges from one week to 30 days.
Repayment amount: it can be paid in one lump sum or deposited in advance.
Repayment time: each support situation will be different.
Liquidated damages: penalty interest of 65438+ 0% of the amount owed for less than three years, and the application must be made one month in advance; There is no penalty interest if the mortgage is deposited for ten days to one month after three years.
China Merchants Bank
Appointment time: according to the situation of each branch, every Tuesday to Thursday, at the end of each month, 25-3 1.
Repayment amount: integer multiple of 654.38+RMB 0,000.
Repayment time: each support situation will be different.
Penalty: apply one month in advance, and there is no penalty interest for the time being. Personal support requires advance deposit. If there is a credit line, it will be punished by 0.5% of the loan amount.
Bank of Beijing
Appointment time: according to the situation of each branch, it varies from one week to 30 days.
Repayment amount: depending on the situation of each branch, it is more than 50,000 yuan or more than 65,438+00% of the loan amount.
Repayment time: Wait for the bank's notice after the appointment is approved, and the borrower shall notify the bank in time if there is any change.
Liquidated damages: repayment cannot be made in advance within one year, and there is no liquidated damages for applying for one month in advance after one year.
Huaxia Bank
Appointment time: 10 working day or 30 days in advance.
Repayment amount: 6,543,800 yuan or more.
Repayment time: depending on the situation of each branch.
Liquidated damages: penalty interest for 2 months within two years, and penalty interest for 3 years after two years 1 month. There is no penalty interest after three years, and you should apply one month in advance.
Everbright Bank
Appointment time: 10 working day or 30 days in advance.
Repayment amount: the situation of each branch of the bank is different. /kloc-above 0/0000 and above 50000.
Repayment time: according to the situation of each branch, the amount is pre-deposited from Monday to Friday after the bank's notice time.
Liquidated damages: less than one year and three months, more than one year and less than three years 1 month, with no penalty interest for more than three years. The specific situation should refer to the contract; You need to apply one month in advance.
In addition, the above content is compiled by the shopping guide according to the release of major banks, and the specific banks depend on the specific situation. The above contents are for reference only and may be different in practice.
(The above answers were published on 20 16-02-0 1. Please refer to the actual situation for the current purchase policy. )
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