How to repay in advance when buying a house with a bank mortgage loan in China?

1. How to prepay the mortgage loan in domestic banks to buy a house?

Bank of China commercial housing loan in advance

After the borrower submits a written application for prepayment to the lender, with the consent of the lender, it may repay part of the loan principal or settle all the loan principal and interest in advance.

1. If you apply for prepayment of personal housing commercial loans in China Bank, you can apply for prepayment according to the conditions agreed in the contract, but you must obtain the consent of the lender in advance. Note: The number of days to apply for prepayment in advance is clearly stipulated in the loan contract.

2. prepayment requires payment procedures. Due to early repayment, it is necessary to apply to the branch of China Bank.

The expenses for prepayment shall be implemented according to the loan contract.

Tips: At present, it is necessary to prepay the personal housing loan of BOC.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact the online customer service machine banking APP of Bank of China for consultation and handling.

2. What are the prepayment steps of China Bank mortgage loan?

If the customer needs to repay the mortgage in advance, CCB should apply to the original lending institution and make an appointment one month in advance according to the contract. In practice, some institutions are on call, and some are handled according to the appointment time. Customers had better contact the agency in advance. Whether the bank mortgage is repaid in advance, there will be liquidated damages according to the relevant provisions of the contract. I need to bring my original ID card and repayment passbook (or savings card) when handling. There are two repayment methods for CCB mortgage. One is equal principal and interest, that is, the monthly repayment amount is fixed, which is suitable for early repayment. The other is the average capital, the repayment amount is decreasing year by year, but this repayment method is not suitable for early repayment. You can pay back 35 thousand in advance. According to the provisions of China Construction Bank Ya 'an Branch on prepayment policy, CCB will clearly stipulate the prepayment terms with the applicant in the contract when handling individual housing loans. If the repayment is made in advance within 65,438+0 years, the agreed liquidated damages are: the lender will charge the borrower a certain proportion of repayment amount in advance each time, and the collection ratio will be 0.6%, and the liquidated damages will be withdrawn at the same time. The calculation method is: prepayment penalty = prepayment loan principal × prepayment penalty collection ratio. However, if the borrower shortens the repayment period and increases the monthly repayment amount on the basis of the original monthly repayment amount, there is no penalty.

Third, the early repayment process of China Bank.

The general process for China Bank to repay the housing loan in advance is as follows: Call the customer service hotline of China Bank 95566 in advance and make the prepayment manually; The borrower formally submits a repayment application to the counter of China Bank with valid identity documents, loan contracts and other relevant materials; With the approval of Bank of China, the borrower can deposit the advance payment into the designated repayment account.

1. There are three ways to pay liquidated damages in advance: keep the monthly repayment amount of the remaining loans unchanged and shorten the repayment period; The remaining loans are reduced monthly, and the repayment period remains unchanged; The monthly repayment amount of the remaining loans is reduced and the repayment period is shortened. If China Bank prepays for less than one year, it will charge a penalty interest of no more than six months (calculated according to the loan interest rate on the repayment date). If the loan is repaid in advance after one year, no penalty will be charged.

2. Precautions for prepayment: After the borrower pays off all the loans in advance, the original individual housing loan housing insurance contract will be terminated in advance. According to the relevant regulations, the borrower can return the prepaid premium to the insurance company every month with the original policy and prepaid certificate. So, after paying off all the loans in advance, don't forget to go to the insurance company and the tax department to get your money back. Don't forget to refund the tax, and don't forget to go to the tax department to refund the tax. When purchasing a commercial house, it should be stated that all family members can declare to the owner of the house purchase contract that "the base of personal income tax deduction is paid by the buyer", sign the contract and pay the house price, so as to obtain their own "general tax payment certificate".

Pay off all the loans in advance and you can get the real estate license. Go to the tax department for tax refund within 6 months after handling the property right certificate. It should be noted that you should not repay the loan in advance in the first year. According to the relevant provisions of provident fund loans, partial prepayment is proposed after one year of repayment, and the repayment amount exceeds the repayment amount of six months. Another point is that the loan contract stipulates that early repayment shall not be overdue. Overdue, should first pay off the arrears, and then apply for early repayment.

4. China Bank is the only bank in China that has been operating continuously for more than 100 years. It is also the most internationalized and diversified bank in China. The organization covers China Mainland and 665,438+0 countries and regions, including holding financial institutions such as BOC International, BOC Investment, BOC Fund, BOC Insurance, BOC Aviation Leasing, BOC Consumer Finance, BOC Financial Services and BOC Hong Kong.

4. How to prepay the consumer loan of China Bank?

You can initiate the prepayment operation of national student loan, deposit, wealth management, personal mortgage revolving loan and personal mortgage revolving loan through personal online banking/mobile banking. Other loans still need to be repaid in advance at the BOC counter.

If the loan itself supports the loan repayment, then there is no need to apply to the bank; In addition, the mortgage repayment is less than one year, and a certain penalty is required for early repayment.