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What is the process for early repayment of a CCB mortgage loan?
The process for early repayment of mortgage loans by China Construction Bank:\x0d\1. Make an appointment with the bank account manager in advance;\x0d\2. Bring your ID card to the bank branch at the appointment time to handle the loan settlement business;\x0d \3. China Construction Bank needs to pay liquidated damages for early repayment (different banks have different standards for early repayment liquidated damages, and different branches of the same bank have different penalties for early repayment). The details are as follows: \x0d\ 3.1 Partial prepayment of loans stipulates that the minimum loan repayment cannot be less than 6 times the monthly repayment amount, and the maximum cannot exceed 35% of the monthly repayment amount. Partial prepayment loans can be repaid once a year for free. \x0d\ 3.2 All early repayers are required to pay liquidated damages. For early repayment of a loan within one to two years, 2% of the early repayment amount will be charged; for early repayment of a loan between two to three years, 1% of the early repayment amount will be charged. . However, the specific repayment amount must be implemented in accordance with the contract. \x0d\4. Pay off the remaining loan first, and the bank will print out the settlement certificate on the spot; \x0d\5. It will take one week to cancel the bank's mortgage procedure, and the main lender will go to China Construction Bank to pick up the materials; in addition, you can also fill it out at the bank You can ask someone else to pick up the items on your behalf by providing a power of attorney to pick up the items;\x0d\6. After paying off the loan, the primary lender (or the sub-lender with proof of relationship) needs to go to the Provident Fund Management Center to go through the procedures for canceling the mortgage of the Provident Fund loan and get the A certificate stamped with a red seal. \x0d\7. Finally, go to the real estate trading center to cancel the mortgage registration together with the certificates from both parties. \x0d\\x0d\There are three ways to repay in advance: \x0d\ One: The remaining loan will keep the monthly repayment amount unchanged and the repayment period will be shortened; \x0d\ Two: The remaining loan will be repaid every month The amount will be reduced and the repayment period will remain unchanged;\x0d\Three: The remaining loan will reduce the monthly repayment amount and shorten the repayment period.
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