Advance repayment process of CCB mortgage

The prepayment process of CCB mortgage is as follows:

1. Apply for prepayment: First, you need to submit an prepayment application to CCB. You can choose to apply through online banking or counter, fill in relevant forms and provide information such as ID card and loan agreement.

2. Calculation of prepayment amount: The bank will calculate the actual repayment amount according to the prepayment time and repayment amount. Calculate interest and liquidated damages according to the actual repayment date.

3. Payment of repayment amount: After submitting the application for prepayment, the repayment amount shall be paid in time. You can transfer money through online banking or pay through the counter.

4. Sign the confirmation letter: After the prepayment process is completed, the borrower needs to sign a document to confirm the prepayment.

Precautions:

-Applications for prepayment need to be submitted in advance. It is recommended to apply at least 1 month in advance.

-Early repayment requires payment of liquidated damages, and the specific amount and calculation method are agreed in the loan contract.

-After the confirmation letter is signed, the bank will settle the repayment, and the borrower needs to ensure that the funds are sufficient. If it is insufficient, it will affect repayment and even personal credit. Don't take the problem of overdue online loans lightly, because in addition to collection, personal credit will also be affected. In particular, online loans with credit information, once they have overdue records, will have a serious impact on future bank loans or credit cards. Even if the online loan cannot be credited, the data can still be recorded. You can check your online loan history, overdue details, liabilities, untrustworthy information and online loan blacklist in Zhiyi Big Data.