1. Industrial and Commercial Bank of China. If a personal mortgage loan is repaid in advance within one year, a penalty equal to 5% of the repayment amount will be charged. If the mortgage is repaid within one year, no penalty will be charged.

2. China Merchants Bank. If the mortgage repayment is less than one year old, interest will be charged for at least 3 months on the actual repayment amount. After one year of mortgage repayment, at least one month's interest will be charged on the actual repayment amount.