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.
The prepayment process of CCB's personal housing loan is as follows:
1, telephone reservation. For CCB customers who need to repay in advance, the first choice is to call CCB customer service hotline 95533 to make an appointment in advance and wait for the other party's notice. At the same time, carefully check the bank's prepayment requirements and pay attention to whether it is necessary to prepare prepayment penalty.
2. Fill in the application form. After receiving the notice from the other party, go to the CCB outlet to get the application form and fill it out. At the same time, prepare the required materials, identity cards, loan contracts, etc., and submit them to the bank for approval.
3. Telephone notification from the bank. After the bank approves, the bank will call.
4. Go through the repayment procedures. The repayment person carries the relevant documents to the bank to handle the prepayment procedures.
5. Make an advance payment. After the formalities are completed, go to the bank counter to repay the money, and some banks can directly transfer the money to the card.
6. others. If it is paid off at one time, you need to decompress and cancel.
Precautions for prepayment of CCB mortgage
First, we should pay attention to the requirement of prepayment in the house purchase loan contract.
Second, you need to consult the loan bank in advance about the application time and minimum repayment amount of the loan and other materials that need to be prepared.
Third, according to the requirements of the bank, individuals need to apply to the relevant departments for early repayment. General banks will require customers to fill out an application form for prepayment.
Fourth, bankers pointed out that in the process of repaying the mortgage in advance, customers should pay special attention to bringing their ID cards and loan cards. I usually have to repay the loan in advance, so I should pay special attention to it.
2. What matters should CCB pay attention to in advance?
Note: I mortgaged 400,000 yuan in Shenzhen Construction Bank on February 1 17, and paid 200,000 yuan in advance on February 1 10. Please pay attention to a few points. 1, the mortgage repayment should be applied for one month in advance. 2. You can only repay as much as you apply. If the loan is less than one year, you will be fined three months' interest. 4. The date of prepayment should be one or two days before the deduction date. I usually deduct money on 17. Although I repaid the loan of 200,000 yuan on the date of 1 1, I still have to deduct the money according to the balance before repayment on the date of 65438+February 17. The bank took away my 26-day interest of 203,995 yuan for nothing (3,995 yuan is the monthly payment due on 65,438+February 17).
3. What are the procedures and precautions for CCB to repay the mortgage in advance?
Step/Mode 1
1. Open the China Construction Bank app and select the loan.
Step/Mode 2
2. Select the application for prepayment of principal.
Step/Mode 3
3. Select the repayment time, amount and deduction account, and click Submit.
Step/Mode 4
4. Note: the amount in the deduction account should be sufficient, and you can't apply again within 60 days after prepayment.
Four. Process and Matters Needing Attention of Repayment in Advance in Qingdao Construction Bank
When signing a loan contract, there should be specific instructions for repaying the loan in advance. Some commercial loans are not allowed to be repaid in advance. If you want to repay in advance, it is a breach of contract and you have to pay liquidated damages. The specific matters should be discussed in detail with the contract to the staff in charge of the loan in the lobby.