How much is the fast deduction fee for the postal savings bank card?

Postal fast deduction refers to the fast payment deduction made by the third-party payment software through postal savings. Users do not need to log in to online banking, but directly input the card face information and cardholder identity information. According to the security rules, they can sign a contract or pay by verifying the check code received by the mobile phone reserved by the bank, which is a fast and efficient payment method.

As long as the user has a debit card, he can choose fast payment in the process of third-party payment, and complete the opening and binding according to the prompt. The fast payment process does not need to jump to the page, which effectively controls the risk of being fished and meets the needs of customers for safer, more convenient and faster online payment.

When users pay, they only need to enter Alipay payment password and mobile phone verification code, and they can easily complete the payment. Users will immediately know the fund changes of any account generated by fast payment through free SMS. Using fast payment support on mobile devices such as computers and mobile phones can meet the online shopping needs of most customers.

Postal fast amount deduction refers to the fast payment deduction by the third-party payment software through postal savings. Users do not need to log in to online banking, but directly input the card face information and cardholder identity information. According to the security rules, they can sign a contract or pay by verifying the check code received by the mobile phone reserved by the bank, which is a fast and efficient payment method. As long as the user has a debit card, he can choose fast payment in the process of third-party payment, and complete the opening and binding according to the prompt. Express payment.

Early repayment is the part that the borrower pays more than the monthly principal and interest. The prepayment without fully paying off the mortgage loan is called partial prepayment. Through contractual arrangements, it is forbidden to repay in advance within the agreed time limit, which is called lock-up period. The lock-up period is 2- 10 years. After the lock-up period, the guarantee of prepayment usually adopts other methods, such as prepayment penalty or rate of return maintenance fee.

Prepayment includes full prepayment, partial prepayment with unchanged loan term and partial prepayment with shortened loan term. The loan bank can only accept the application for prepayment of personal loans from the second repayment month. Although prepayment can save interest expenses, there are four types of buyers who are not suitable for prepayment.

I. Procedures

1. Repayment in full in advance: after the loan bank verifies that the relevant materials are correct, it will go through the formalities of prepayment in full.

2. Early repayment with the same loan term: the loan bank instructs the borrower to fill in the relevant agreement. If the original loan guarantee method is mortgage+insurance, and the mortgage registration has not been completed, you need to go to the insurance company designated by the city center with the original insurance policy, your ID card and relevant agreements to reduce the insurance coverage, and the final agreement should be sent to the corresponding sub-center by the loan bank in time.

3. If the original loan guarantee method is mortgage+insurance and the mortgage registration has been completed, the borrower who chooses non-mortgage+insurance applies for partial repayment in advance and shortens the loan period: the loan bank instructs the borrower to fill in the relevant agreement, and the signed agreement is sent to the corresponding sub-center in time by the loan bank.

4. The original loan guarantee method was mortgage+insurance, which is still within the insurance period, and the mortgage registration has not been completed: the borrower can apply for partial repayment in advance and shorten the loan period, and can go directly to the guarantee center for handling.