Bank of Beijing prepayment process: 1. First, the borrower needs to make an appointment with the bank one month in advance to apply for the time and amount of prepayment; 2. Then submit the materials needed for prepayment to the bank for review; 3. After the approval of the bank, the borrower can go to the bank's business outlets with relevant documents for prepayment. For some mortgage loans, you need to go through the mortgage cancellation procedures after prepayment. Need to be reminded that when handling early repayment, you must carefully check the loan contract to see if there will be liquidated damages for the loan. In addition, when repaying the mortgage in advance, if the mortgage is repaid less than one year, it is necessary to pay liquidated damages; If the mortgage is repaid in advance after one year, there will be no penalty. The repayment method of Bank of Beijing. 1. Repayment on third-party platforms such as Alipay and WeChat With the access of third-party platforms (such as Alipay and WeChat) to more and more applications, Bank of Beijing's credit card repayment is nothing new! Take Alipay/WeChat as an example, download and open Alipay/WeChat App-select credit card repayment, and you can repay the credit card of Bank of Beijing through Alipay/WeChat without leaving home. Alipay/WeChat is also convenient and fast for Bank of Beijing credit card, and the most important thing is that it is free of charge. Since the third-party platform will delay the repayment of Bank of Beijing credit card, it is best for cardholders to repay a few days in advance to avoid overdue, and there will be overdue fees and interest. 2. The automatic repayment cardholder who already holds the Bank of Beijing debit card can directly check the "automatic transfer repayment" item in the application form when applying for a credit card or call the 24-hour customer service hotline 95526 of the Bank of Beijing Credit Card Center after checking the card to open the automatic repayment function, and bind the debit card (including savings card) account with the credit card account. 3. Bank of Beijing credit card can be repaid at outlets, and it is very convenient to repay at the nearest business outlets. 4. Self-service equipment repayment can use Bank of Beijing credit card to deposit cash in the automatic deposit machine. Pay attention to property safety when carrying a lot of cash. Generally speaking, there are many credit card repayment methods in Bank of Beijing, which are close to people's lives now, especially the first repayment method, which is really convenient for people with limited time. Everyone must remember to repay in time. If you repay in time, you will have to pay late fees and interest, and you may also have a bad credit record.
2. Can Bank of Beijing repay the loan/other credit in advance?
If you are in Beijing and want to apply for an unsecured loan from Citibank, you can apply for a happy loan from Citibank. Happy Time Loan is a personal credit loan product of Citibank, which does not need mortgage and guarantee. It is only promoted in Beijing and Shanghai and has a high credibility. The longest repayment time is 4 years, and the maximum loan is 500,000. Citibank has many outlets in Beijing. I don't know where you are. You can click on the link below to see the outlets in Beijing.
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3. What is the latest regulation of Bank of Beijing on prepayment?
The detailed rules for prepayment of Bank of Beijing are as follows: prepayment is not allowed within one year, and there is no penalty for applying for one month in advance after one year; After about 10 working days, the ownership certificate will be cancelled.
1. Go to the bank with relevant information, get and fill in the application form for prepayment at the relevant department of the bank, and then the user will submit the completed form and the information required by the bank to the bank counter, and then deposit the specific funds he needs to repay in advance at the counter;
2. After the bank reviews the user's application, it will help the user to handle the specific process of prepayment and deduction. After the completion, the bank will issue the relevant prepayment certificate to the user, and then the user can go through the subsequent mortgage procedures.
4. Can Bank of Beijing shorten its service life by prepayment?
Hello, I'm glad to answer your question. Yes, prepayment by Bank of Beijing can shorten the service life. Early repayment refers to the behavior of the borrower to repay the loan principal and interest in advance within the loan period. Early repayment can shorten the interest expense of the loan term, shorten the loan term and improve the repayment ability of the loan.
In the case of prepayment by Bank of Beijing, the borrower can shorten the expenditure and repay the loan principal more quickly. Early repayment can reduce the wear and tear of the loan term, improve the repayment ability of the loan and reduce the interest payment of the loan.
However, the advance payment may also lead to a speculative increase in the loan interest rate, so increasing the repayment amount of the loan may lead to the record of the loan term.
Therefore, people are deciding whether they should know the interest rate, term and repayment conditions of the loan in detail in order to make an informed decision.