How to handle the prepayment of second-hand housing loans?

First, the prepayment process:

The general process is as follows:

1. To repay the mortgage in advance in China, we should first pay attention to the loan requirements and whether it is necessary to pay a certain penalty for repaying the loan in advance. If the contract specifies that liquidated damages will be charged, it is necessary to see clearly how much to charge.

2. The application time and relatively low repayment materials of the corresponding loan bank.

3. According to the requirements of the bank, personally submit the application for prepayment to the relevant departments. Generally speaking, banks will ask customers to fill out an application form for prepayment.

4. Bring relevant certificates to the borrowing bank, go through the formalities related to prepayment, submit the prepayment application form, and deposit the prepayment at the counter.

Second, the prepayment method:

1. In China, it is undoubtedly more cost-effective to ask for all loans in advance and pay off all loans at one time, so you don't have to repay and pay a lot less interest.

2. Of course, there are some prepayments in China, and the remaining monthly repayment amount remains unchanged, which shortens the repayment cycle.

3. Partial prepayment, the remaining loan not only reduces the monthly repayment amount, but also saves a lot of interest.

What should I pay attention to in advance repayment of second-hand housing loans?

1. The borrower repays all the loans in advance, and the mortgage insurance contract is 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.

In addition, remind everyone, don't forget to go to the tax department for tax refund. In our country, when buying commercial housing, all family members who can get tax refund should be written into the purchase contract as property owners, and after signing the contract and paying the house price, they should apply for "tax base deduction" and get their "general tax payment book".

It should be noted that after paying off all the loans in advance, you should go to the tax authorities for tax refund within 6 months after the proof of real estate rights.

4. Don't repay the loan in advance in the first year. According to the relevant provisions of provident fund loans, the repayment amount should be in advance after 1 year repayment, and the repayment amount should exceed the repayment amount of 6 months.

Second, how to apply for early repayment of second-hand housing loans

If the mortgage/car loan of China Merchants Bank (repayment function is not enabled) is repaid in advance, it must be handled at the handling bank or the local post-loan service center;

Pre-payment reservation, handling, cancellation, deduction time, repayment amount/term, whether there are liquidated damages/handling fees/penalty interest, etc. Due to different cities, please check the loan contract or contact the loan handling bank and the local post-loan service center for confirmation!

Third, the second-hand house of Huangchuan Agricultural Bank repaid the mortgage in advance.

Agricultural Bank mortgage can be repaid in advance. The Agricultural Bank of China can repay part of the mortgage in advance, and the lender shall submit a written application to the loan handling bank one month in advance after repaying the loan in advance, and it can only be handled after being approved by the bank. Housing loan is any form of housing loan support provided by banks and other financial institutions to buyers, usually with the purchased house as collateral. According to the source of loan funds, it is divided into provident fund loans and commercial loans. According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method. The housing loan interest rate is based on the benchmark interest rate of banks in the same period, and the loan interest rates of different banks have slightly increased.