How to pay off the mortgage in advance in the mobile banking of China Construction Bank?

First, how to pay off the mortgage in advance in China Construction Bank's mobile banking?

You can't pay off the loan directly in mobile banking. You need to communicate with the account manager. At present, if you want to pay off your mortgage in advance, you need to apply to the bank in advance. After the application is approved, you can transfer the money to the repayment bank card at one time, and then the bank deducts the money to complete the repayment procedure. Operating environment: opporeno3pro 1. Prepayment process of mortgage loan of China Construction Bank 1. Make an appointment with the bank account manager in advance; 2. Bring your ID card to the bank outlet for loan business at the appointed time; 3. CCB needs to pay liquidated damages for prepayment (different banks have different standards for prepayment, and different branches of the same bank have different liquidated damages for prepayment), as follows: ① Some prepayment requirements are at least 6 times of the monthly repayment amount and at most 35% of the monthly repayment amount, and some prepayment can be repaid once a year for free. (2) Anyone who repays the loan in advance shall bear the penalty, and those who repay the loan in advance for one to two years shall be charged 2% of the repayment amount in advance; If the loan is repaid two to three years in advance, 1% of the prepayment amount will be charged. However, the specific repayment amount needs to be implemented in accordance with the contract. 4. Pay off the remaining loans first, and the bank will print the settlement voucher on the spot; 5. It takes 1 week for the bank to cancel the mortgage, and the main lender goes to CCB to get the materials; In addition, you can also fill in the power of attorney in the bank and let others collect it on your behalf; 6. After paying off the loan, the main lender (or the sub-lender with proof of relationship) needs to go through the mortgage cancellation procedures of the provident fund loan at the provident fund management center and obtain the certificate stamped with the red seal; 7. Finally, together with the certificates of cancellation of mortgage registration by both parties, go to the real estate trading center to cancel the real estate mortgage registration. 2. What is the penalty for CCB to repay the mortgage in advance? You can consult the bank. If the prepayment is less than one year, 3% of the prepayment amount will be charged. If the loan is repaid in advance for one to two years, 2% of the prepayment amount will be charged. The loan is repaid in advance for two to three years, and one percent of the prepayment amount is charged.

Second, the prepayment process of Beijing Provident Fund! It's too important to collect!

The prepayment of Beijing housing provident fund loans can be made through the personal online business processing platform of Beijing Housing Provident Fund Network, Beijing Provident Fund APP and Beijing Tong APP.

Advance repayment process of Beijing housing provident fund loan

(A) through personal online business

1. Housing Provident Fund Network, click Personal Online Business Platform-Personal Online Business Platform (shown as Beijing) on the right side of the home page, and click Login on Beijing Unified Identity Authentication Platform.

Then enter the login page. The login mode can be "account login" or "SMS login". After selecting the login method, enter the login information according to the page prompts to log in.

_ Tip: If it is not unified in Beijing, please complete the registration before logging in.

2. Make an appointment to pay off "my loan"-"I want to repay", and then click the date to pay off the loan according to your own situation, and calculate that the repayable lender should repay the loan in full before the agreed repayment date for deduction.

(2) Pay off all loans in advance through Beijing Provident Fund APP.

1. Login: In addition to the repayment date, open "My" in the lower right corner of the north, read the login prompt carefully and click "Please Login".

Login mode can choose "password". After entering the login page of Beijing unified identity authentication platform, enter the login information according to the page prompts, and click "authorize" to log in.

_ Prompt: If you are not logged into Beijing Unified Identity Authentication Platform.

2. Make an appointment for repayment: after logging in successfully, select "Service"-

Then click the "Pay off all loans in advance" function to find out the loan date, calculate the loan amount to be repaid, and submit it after confirmation. The borrower shall repay the deducted funds in full before the repayment date.

(3) Promote through Beijing Tong APP.

If you are connected to the Internet in Beijing, log in to Jinglian APP except the repayment date.

Select "Provident Fund"-"Pay off all loans in advance" and submit it after confirmation. The borrower shall deposit all repayment funds into the repayment account for deduction before the repayment date.

(4) Pay off all loans in advance by telephone.

_ User query without real-name authentication

In addition to the repayment date, dial the hotline 0 10- 12329 to enter the self-service voice system:

1 code ",enter the identity.

② After hearing "Please press 1" for personal loan business, press "1";

3 After hearing "Please press 1" or "Pass Identity", enter the account number or ID number of the entrusting system according to the choice;

four

After hearing "Please enter the password", enter the password of the telephone entrustment system;

5 Voice prompts to inquire "the maximum repayment amount on the next repayment date", adjust the agreed repayment amount to this amount, and deduct the full amount before the repayment date.

_ Password of the user who has done gold trading.

In addition to the repayment date, dial the hotline 0 10- 12329 to enter the self-service voice system:

1 After hearing "Enter ID number", enter the ID number;

Enter the housing provident fund transaction password after hearing "enter password";

3. After hearing "Please press 1" for personal loan business, press "1";

4. After selecting "repayment inquiry", according to "high repayment amount", adjust the agreed repayment amount to this amount, and deposit the full repayment funds into the repayment account for deduction before the repayment date.

(five) to pay off all loans in advance through the government service convenience self-service terminal.

In addition to the repayment date, the borrower selects the function of "individual housing loan pays off all loans in advance" on the homepage of the government service convenience self-service terminal, checks the loan information after the identity authentication is successful, selects the repayment date according to his own situation, and then submits it. The borrower shall deposit all repayment funds into the repayment account for deduction before the repayment date.

(6) Pay off all loans in advance through the loan business counter.

1. The borrower carries the original ID card and pays off all the loans in advance at any loan handling department during office hours except the repayment date (loans entrusted by CCB with equal principal and interest or equal principal repayment can only be handled during 1-24 office hours every month).

2. After the on-site prepayment confirmation formalities, the borrower shall deposit all repayment funds into the repayment account for deduction before the agreed repayment date.

_ tip:

1 Pay off all the loans in advance through the function of 12329 customer service telephone to adjust the monthly repayment amount, and the payment can only be deducted on the next repayment date agreed in the loan contract.

The borrower number starts with G or Z, and the applicant can be one of the borrowers; For loans whose loan applicant number does not start with G or Z, the applicant is the borrower who has reserved repayment account.

For loans with equal principal and interest or equal principal repayment, if there are outstanding overdue loans, they cannot be paid off in advance, and can only be handled after the overdue loans are deducted successfully and the loan status turns normal. 3. Can CCB app apply for prepayment of provident fund?

The housing provident fund loan handled by China Construction Bank can be repaid in advance, and the specific agreement is as follows:

1. You can only apply for early repayment after the loan repayment reaches 1 year;

2. If the applicant prepays in full, it needs to pay liquidated damages, and the fee is 65438+ 0% of the current repayment amount. If the user repays for more than 3 years, the penalty will be exempted;

3. When repaying in advance, the applicant cannot have any overdue funds;

4. The repayment amount must be an integer multiple of 1 ten thousand yuan.

Four, the construction bank provident fund repayment in advance

You can repay the provident fund by binding according to the prompt.

Construction bank provident fund card can be queried, and the query method is as follows:

Step 1: Log in to CCB Personal Online Banking → Select My Account → Add New Account → Select Provident Fund Account as Account Type → Enter Provident Fund Account or Housing Subsidy Account to add the account to CCB Personal Online Banking;

Step 2: Select My Account → Other Account Services → Provident Fund, and the account balance and details can be easily queried.