Bank of Communications loan prepayment process

Bank of Communications prepayment repayment process is as follows:

Make an appointment to repay all or part of the mortgage in advance in the loan-loan repayment menu through personal online banking;

Log in to personal online banking within 10 days after the approval of the bank, and then confirm the prepayment in the loan-loan repayment menu.

Bank of Communications (English BCM, Chinese Bank of Communications) was established in 1908. It is one of the six largest banks in China, one of the oldest banks in China and one of the modern note-issuing banks in China. 1 987 April1day, the newly established Bank of Communications officially opened to the outside world, becoming the first national state-owned joint-stock commercial bank in China, with its head office in Shanghai. Bank of Communications was listed on the Hong Kong Stock Exchange in June 2005 and successfully listed on the Shanghai Stock Exchange in May 2007.

The borrower can choose to repay the mortgage in advance according to his actual situation. To repay the mortgage in advance, you may wish to consult the loan bank 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 bring the real estate license, settlement certificate and other rights certificate mortgaged in the bank to the office of the District Housing Construction Committee to understand the mortgage situation. In this way, your own property can be completely your own property.

Property buyers can bring the property ownership certificate (original), the certificate of other rights (original), the party's identity certificate (original and photocopy 1), the mortgage registration cancellation certificate (original) issued by the mortgagee, the mortgage registration application form and other materials to the corresponding window of the Housing Authority for handling.

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 buying a commercial house, all the family members who can get tax refund should be written into the purchase contract as the property owners, and after signing the contract and paying the house price, they should apply for "deducting the personal income tax paid by the buyer" and obtain their "general tax payment book". After repaying all the housing loans in advance, you can obtain the certificate of immovable property rights, and go to the tax department for tax refund within 6 months after handling the certificate of immovable property rights.