Provisions of Huaxia Bank on prepayment of loans:

1. Make an appointment with the bank account manager in advance; 2. Bring your ID card to the bank outlet at the appointed time to handle the advance loan business;

3. Early repayment requires liquidated damages. The minimum amount of partial prepayment shall not be less than 6 times the monthly repayment amount, and the maximum amount shall not exceed 35% of the monthly repayment amount. Some prepayments can be paid once a year for free.

All prepayments must pay liquidated damages. Repayments will be made one to two years in advance, and 2% of the prepayment amount will be charged. If the loan is repaid two to three years in advance, 1% of the prepayment amount will be charged. However, the specific repayment amount needs to be implemented in accordance with the contract.

2. Can Huaxia Bank's mortgage be repaid in advance within one year?

Repaying the loan in advance needs to be applied in advance, and it needs to be planned according to personal funds and the remaining time of the loan term. It often takes several months from application to success. Most banks have regulations that it is not allowed to repay loans in advance within one year.

To repay the loan in advance, you need to apply to the bank in advance. Under normal circumstances, it is necessary to perform in strict accordance with the terms. The two parties agree on the amount, date and compensation for breach of contract of prepayment through negotiation, and the prepayment can only be made with the consent of the bank. However, banks generally agree that repayment cannot be made in advance within one year, while foreign banks are more strict, usually two to three years. If you want to apply for prepayment during this period, you usually have to pay liquidated damages, which are mostly about 2%~5% of the prepayment amount. The provisions for prepayment of provident fund are similar to those for commercial loans. Generally speaking, repayment cannot be made in advance within one year. However, there is no example to follow in how to operate the prepayment of the provident fund discount loan, and the specific operation will be known later.

3. Can Hua Xia Bank repay the loan in advance?

Yes

If Huaxia Bank repays the loan in advance, the already paid handling fee will not be refunded, and the remaining unpaid formalities fees will not be exempted, but there will be some relief, and only 3% of the remaining unpaid formalities fees will be paid. When repaying in advance, the remaining unpaid principal and the handling fee to be paid can be paid together.

If you want to repay in advance, call Huaxia Bank's customer service phone to apply to the customer service staff to terminate the installment, and just pay off the remaining money by the repayment method adopted before.

Extended data:

Precautions:

1. During the loan period and one year after the loan is issued, with the consent of the bank, you can apply in writing to repay part or all of the loan in advance. General banks need 2-7 working days to handle this business. Banks have different regulations on early repayment of loans, so lenders must make clear the operating procedures of loan banks before deciding to repay loans in advance.

2. If the borrower needs to repay the loan in advance, he should bring his ID card and loan contract to the bank for approval after applying by phone or in writing. If it is a borrower who has settled all the balance, after the bank calculates the remaining loan amount, it is convenient for the borrower to save enough money to repay the loan in advance.

3. The new interest standard will be calculated in the new year, so even if the loan is to be repaid in advance, the lender should seize the opportunity to repay the loan as early as possible before the new interest takes effect at the end of the year. After paying off all the loans in advance, the lender should remember to surrender to the insurance company and other departments.