Bank of Communications app prepayment repayment process

First, the Bank of Communications app repaid the mortgage in advance.

Cannot operate on the mobile phone.

Early repayment is because you need to make an appointment with the bank loan department in advance, and you can go to the bank in person.

Calculation of liquidated damages for prepayment of bank of communications mortgage.

① Put enough money into the bank card;

② Bring your ID card and title certificate to the repayment department of Bank of Communications on June 16, and then provide a list of all repayments, and sign and seal it;

③ Arrival formalities;

(4) Apply for cancellation of mortgage registration in the loan repayment department;

(5) after the audit of Bank of Communications, handle the issuance and unfreezing procedures of other warrants (this is the end;

⑥ Carry ID card, property right certificate, other property right certificates and the Application for Cancellation of House Mortgage Registration to handle the cancellation of house property, and the property right certificate will be unfrozen.

Liquidated damages algorithm:

You can apply in advance after one year, and the minimum amount can not be less than 35% of the monthly repayment.

All prepayment shall bear 1% of the repayment amount, with full repayment. However, the specific repayment amount needs to be implemented in accordance with the contract.

There are two ways to repay the mortgage in advance:

1, all paid off in advance.

It is not difficult for the borrower to pay off the loan in one lump sum. At this time, you can take the relevant materials to the Housing Authority to cancel the mortgage, and you will have full property rights of the house.

2. Repay part of the loan before the repayment period.

Part of the repayment period is not two: first, the monthly repayment amount remains unchanged, shortening the repayment period; First, the monthly repayment amount is reduced, and the repayment period remains unchanged. The advantage of the former is that it can reduce interest and save a sum of money; The advantage of the latter is that it can reduce the monthly payment and ease the repayment pressure.

The borrower can choose the way to repay the mortgage in advance according to his actual situation. To repay the mortgage in advance, you might as well first.

At the same time, it should be noted that after repaying the loan:

1. Release the mortgage of the house

Have complete property rights. The borrower should carry the rights such as real estate license and settlement certificate mortgaged in the bank, so that his property can be said to be completely his own property.

Property buyers can only carry the property ownership certificate (original), other rights certificate (original) and its copy 1), mortgage certificate (original) and the corresponding mortgage registration application window.

2. Go through the surrender procedures.

After the borrower repaid all the loans in advance, the original individual housing loan contract of Jiabao was also terminated in advance. According to the relevant regulations, the borrower can bring the original insurance policy and proof of paying off the loan in advance, and return the premium paid in advance to the insurance company on a monthly basis.

3. Go through the formalities of tax refund

When all the family members of the buyer are written into the house purchase contract as real estate owners, and after signing the contract and paying the house price, they apply for "personal income tax base deduction paid by the buyer" and obtain my "general tax payment book". To repay all the real estate licenses in advance, you should go to the tax authorities for tax refund within 6 months after handling the real estate licenses.

Second, the Bank of Communications Credit Card has just come down and can be found in the Bank of Communications Credit Card APP. ...

My home page-account management-self-registration download-self-download-,password-SMS verification code, ok!

Then you can manage your account in the "Download Card Inquiry".

3. What does it mean for Bank of Communications to enjoy the loan?

Enjoy the credit line is a single non-circulating line added in addition to the original line under the designated card. This limit does not participate in or affect the original limit of all credit cards under the cardholder's name, with a maximum of 1.5 million. This limit is valid for 90 days from the date of successful application. The credit line is not a credit card line, but a temporary line specially used for installment payment (usually cancelled automatically after 90 days). You must pay in installments to use the credit line (that is, you need to pay the handling fee to the Bank of Communications). Enjoy Loan is a brand-new credit card installment payment service launched by Bank of Communications, which provides bulk consumer credit support with high exclusive quota (maximum 1.5 million) and convenient service process.

Features of enjoying loans:

1, it is quick and convenient to handle, and there is no need to prepare complicated materials;

2. Wide application range, covering all aspects of life;

3. The repayment period is 24 months;

4. The monthly handling fee is 0.72%.

4. Can the Bank of Communications app get a loan?

Huimin Loan is a personal consumer credit product under the Bank of Communications, which is operated by Bank of Communications Co., Ltd.; In fact, Huimin loan itself is not a new product. Before, it was generally open to users who hold the salary of Bank of Communications, have high-quality credit information such as provident fund or social security tax payment, and have stable work income. Where does Bank of Communications apply for Huimin loan? Bank of communications believes that many people will not feel strange. It is a well-known financial institution. Many people have applied for Bank of Communications credit cards. Credit card holders can handle many businesses, such as Bank of Communications Huimin Loan, which is a formal and reliable loan opening. Many people want to apply for Huimin loan, but they just don't know how to apply. First, download the Bank of Communications app, log in as an individual user, click on the personal loan business in finance, find Huimin Loan, click, enter the application page, fill in personal information, submit it for review, and wait patiently for the bank to lend money. If you receive an invitation message or phone call, it means that you are qualified to apply, and the pass rate will be higher. The bank's loan products were all collected at the meeting. If you have a bad credit record or a black account, it is not recommended to apply, because even the application is difficult to pass. Is the interest on Huimin loan high? Huimin loan interest is not particularly high. Bank of Communications Huimin loan bears interest on a daily basis, and the daily interest rate of the loan is calculated at 0.0 168%. What borrowers can't ignore is that the longer the loan term, the more interest. Moreover, the loan interest rate of different users may be different, and the actual repayment interest shall prevail. At present, Huimin loans are mainly divided into four periods: 3 months, 6 months, 12 months and 24 months. The borrower can choose according to his own situation. Is the Bank of Communications Huimin Loan Reliable? Huimin loan has low requirements for applicants, and generally requires applicants to have a stable job and income; And have worked continuously in the current unit for more than six months; In addition, the applicant cannot have a bad credit record, which is naturally the most basic. If the bad credit is urgent, you'd better borrow money from friends, and the loan is estimated to hit a wall everywhere. To apply for Huimin loan from Bank of Communications, personal credit must be good, otherwise the application will definitely be rejected. To tell the truth, the monthly repayment pressure is very high, not counting interest. Therefore, the small partners who want to apply must have the repayment ability to ensure that they can repay on time every month. Moreover, Huimin loans can only be used for daily consumption, and the money you apply for cannot be used for other purposes such as buying a house and managing money.