3-7 working days.
second, the specific analysis
to repay the loan in advance, you need to call the bank first, indicate your purpose, and then you need to make an appointment with the bank. When it is time to make an appointment, the lender needs to go to the bank to fill out a written application form for prepayment, and then wait for the bank to review it.
The bank review will take about 3-7 working days. After the review is passed, the bank will remind the lender by SMS or telephone. After that, the lender needs to put the remaining unpaid mortgage amount into the bound repayment card.
after ensuring sufficient balance, the bank will deduct the mortgage amount within the agreed time. After the deduction is successful, the loan repayment is completed in advance. Banks also have certain requirements for the user qualification of early repayment. When applying for early repayment, lenders should make an appointment one week in advance so as to set aside time for themselves to prepare relevant materials.
when repaying the loan in advance, in addition to relevant information and mortgage, the lender also needs to prepare a certain amount of liquidated damages. Each bank has different regulations on the liquidated damages for prepayment of mortgage. For example, CCB stipulates that if the lender repays the loan less than one year, it needs to pay 3% of the mortgage amount as liquidated damages.
if the lender repays the loan for more than one year, it is required to pay 2% of the mortgage amount as penalty for prepayment.
In addition to overdue loans, bad long-term loans will also be blacklisted for online loans. Specifically, you can check your own long-term loans. Long-term loans mainly refer to the recent application of individuals in lending institutions. It is suggested that you can wait for a while and stop all lending-related operations within three months. After three months, the natural risk index will be reduced and the blacklist will be eliminated.
third, do I need to make an appointment to repay the mortgage in advance?
you need to make an appointment to repay the mortgage in advance.
the borrower must make an appointment with the bank first, and then go to the bank to make a written application for prepayment within the agreed time; After that, the borrower can enter the prepayment operation after the bank approves and agrees to prepay, and put the money into the bound repayment bank card for the bank to deduct the money.
if the borrower directly deposits the money into the bound repayment bank card without making an appointment with the bank or applying for prepayment, the banking system will not deduct more money, but will only deduct the corresponding amount from the card according to the total amount due in the current month. Therefore, without making an appointment and applying first, the borrower can't repay in advance.
also, it should be noted that banks generally have certain requirements for prepayment of mortgage loans. If the borrower fails to meet the requirements, even if he applies to the bank, the bank will not pass the examination. If the audit fails, the borrower cannot make prepayment.
The specific requirements may vary from bank to bank. Some banks have restrictions on repayment time, while others have restrictions on repayment amount. If you don't know the specific requirements, you can consult the staff of the loan bank.