Can ABC's renovation loan be repaid in advance?

How to cancel the SMS service fee of Agricultural Bank of China

There are several ways to cancel the SMS notification service of Agricultural Bank of China:

1. Online banking:

Log in to the personal online banking of Agricultural Bank of China; Click "Settings" and select "Message Service"; Then click "logout".

2. Pocket Banking:

Log in to the Pocket Banking APP of Agricultural Bank, click "All" and select "Assistant"; Then click "SMS notification"; Then click "logout".

3. Business outlets:

Customers can bring their bank cards and ID cards to the counters of any business outlets of the Agricultural Bank of China to ask the staff to apply for cancellation.

4. Self-service terminal:

Customers can also log out of any self-service terminal machine with their bank card, and just follow the prompts (some self-service terminals may not support logging out temporarily, subject to the actual function display of the machine).

It should be noted that if the SMS notification service is in arrears, it must be paid before cancellation. Also, if the customer has opened the WeChat account reminder, then after canceling the SMS notification service, the WeChat account reminder will also be cancelled simultaneously.

operating environment: apple 12, ios14, agricultural bank version 6.1.1

1. can the renovation loan of agricultural bank be repaid in advance?

ABC's renovation loan can be repaid in advance. Agricultural Bank of China's decoration loan is spent by credit card, so it supports users to repay in advance. Users who want to prepay need to submit a written application for prepayment to the Agricultural Bank of China, and they can only prepay after passing the audit of the Agricultural Bank of China. If part or all of the principal is repaid in advance, the interest already collected will not be refunded.

in addition, if prepayment can't save interest, users might as well repay on time.

second, how to update the expired agricultural bank card ID card?

if the identity card of the agricultural bank card expires, users can update their identity cards through ABC's pocket bank, manual counter, super counter, mobile marketing PAD and other channels. Users don't want to go to the counter to update themselves, so they can update through mobile banking, which will directly jump to the page with expired ID card, and users can complete the update according to the page prompts.

if you can't update through mobile banking, you can apply for a buffer period by calling the customer service hotline of ABC. Even if the ID card of the buffer period expires, you can handle business normally. Can the decoration loan be repaid in advance?

You can repay in advance, but you need to charge a certain penalty. The applicant has successfully handled the installment payment business. If applying for early repayment, he must pay the remaining principal in one lump sum and bear the corresponding handling fee according to the number of installments recorded. If the applicant adopts the one-time payment method of handling fee, the handling fee corresponding to the remaining unrecorded periods of the applicant will be refunded; if the applicant adopts the installment payment method of handling fee, the handling fee corresponding to the remaining unrecorded periods of the applicant will no longer be charged.

Home improvement loans are also called decoration loans, which refer to personal credit loans launched by banks or consumer finance companies, that is, unsecured credit loans. In principle, the single loan amount of personal housing renovation loans issued by banks shall not exceed 15, yuan, and shall not exceed 5% of the total cost of renovation projects.

There are two kinds of home improvement loans and a credit card installment form to apply for, as follows: 1. Apply for personal credit loans to decorate; 2. Decoration loan for personal consumption loan. Consumer loans here refer to certified mortgage loans, that is, consumer loans that are mortgaged and applied for with real estate. ; 3. Credit card home improvement staging; 4. In addition to the traditional way of bank loans, loans from consumer finance companies are also one of the options.

Application conditions

1. Have a local permanent residence and a legal and valid identity certificate;

2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest when due.

3. The borrower can provide relevant asset certificates, bank statements, tax bill certificates, etc.

4. For newly purchased houses to be renovated, materials such as house sales contracts and purchase invoices should be provided (or materials such as house ownership certificates should be provided for the original houses to be renovated again);

5. Other conditions stipulated by the cooperative organization.

Application materials

When a lender applies for a decoration loan, it generally needs to provide the following materials to the bank:

1. A valid ID card and a certificate of permanent residence issued by the neighborhood committee to prove his identity and fixed residence;

2. The professional and personal income certificate issued by the unit, the certificate of stable work for six consecutive months or more (or the salary flow bill provided by the unit in recent months) to prove its repayment ability;

3. Real estate license (required for mortgage loan), which is used for real estate mortgage;

4. Proof of bank deposit statement, water and electricity tax bill, etc. to prove your credit quality;

5. The materials such as the Decoration Project Contract and the Purchase of Decoration Materials signed with the decoration enterprise prove the purpose of the loan;

6. A copy of the business license and qualification certificate of the decoration enterprise, which proves whether the partner is within the specified scope;

7. Other conditions required by banks or financial institutions. How to handle the renovation loan of Agricultural Bank of China

Agricultural Bank's personal renovation loan process:

1. The borrower applies for a personal loan at the loan bank, submits the application information, and the bank calls the borrower after receiving the information. At this time, the borrower can consult the required information or other related contents in detail.

2. The borrower brings information to the bank to submit an application, and the bank staff will verify the information submitted by the borrower. If all are true, pass and proceed to the next step.

3. After the approval of the bank, notify the borrower to go to the bank to sign the contract and go through the mortgage registration procedures, and then sign the contract.

4. Bank lending.

Precautions when handling decoration loans:

Precautions 1. Apply for mortgage according to your ability

Some people think that the larger the loan amount, the better, but this is not the case! Because you have to pay back the mortgage, and you have to pay interest. If your loan term is longer and the loan amount is larger, the more interest you will pay, which will increase your repayment pressure.

Precautions 2. Prepare loan information in advance

Copy of ID card, household registration book, marriage certificate or single certificate, copy of academic certificate, income certificate and bank account, copy of house purchase contract and down payment invoice, social security related certificates, etc. It is also very important that if there is a bad credit record in credit card repayment, you must apply for cancellation or issue relevant certificates.

Precautions 3. Providing true information

If the loan buyer provides false information to the bank, it may have a serious impact: it will affect the bank's review, and it will not be possible to issue loans and realize its dream of living; What's more, it may be because individuals provide false materials, which leads to the inability to apply for loans, which causes developers to require buyers to bear the liability for breach of contract for overdue delivery of mortgage materials and pre-sale contracts of commercial housing and pay a considerable amount of liquidated damages.

Precautions 4. Be clear about the repayment method in advance

At present, there are two main repayment methods for buying a house with bank loans, namely, matching principal and interest and average capital. Although the interest rate in average capital is less, the monthly payment is high and the pressure is relatively high. The total interest of equal principal and interest will be higher, but the monthly repayment pressure is small. You can choose the appropriate repayment method by considering your own situation comprehensively.

Precautions 5. Do not use the provident fund before applying for a loan

If the borrower withdraws the balance of the provident fund before the loan, the balance of the provident fund in his provident fund account will become zero, so the amount of the provident fund loan will also become zero. In other words, you can't successfully apply for a provident fund loan at this time.

Precautions 6. Do not prepay within one year

According to the relevant regulations of bank loans, part of prepayment should be made after one year of repayment, and the amount returned should exceed the repayment amount of six months.

Precautions 7. Repay in full and on time

After obtaining the loan, the borrower must repay in full and on time according to the provisions in the loan contract, so as to avoid leaving a bad credit record and causing unnecessary troubles.

Note 8. You can apply for an extension if you can't repay the loan on time

After the loan application is passed, the buyer can repay the loan every month. What if you encounter difficulties halfway and can't repay the loan on time? Property buyers can apply to the bank to change the loan term, and if the loan bank agrees, they can extend the loan.

Precautions 9. Remember to go through the mortgage cancellation procedures

After the borrower pays off the mortgage, don't forget to go through the mortgage cancellation procedures, otherwise the house will always be mortgaged in the bank, and if you want to apply for a real estate mortgage loan from now on, you can't do it.

Precautions 1. Don't lose the loan contract and IOU

As the loan term can be up to 3 years, as a borrower, you should take good care of your contract and IOU. When applying for a mortgage loan, the loan contract and IOU signed by the bank with you are important legal documents.

reference link: Baidu encyclopedia: decoration loan