First, you can go to China Everbright Bank to pay it back in advance and open a bank card. Pay in one lump sum.

Second, China Everbright Bank will make an appointment in a week or so.

Third, the mortgage cannot be handled. After one year, it is usually once a year.

Fourth, the light is 1 ten thousand yuan.

5. Everbright Bank repays the loan in advance without penalty interest.

Repayment procedures:

Handler:

1. Repayment in full in advance: From now on, go through the formalities of prepayment in full.

2. Term unchanged: the lending bank instructs the borrower to fill in relevant agreements. If the original loan guarantee method is the original mortgage policy, my ID card and the insurance company will go through the formalities of reducing the insurance, and the final agreement will be sent to the corresponding sub-center by the loan bank in time. Sensitive chain hail

3. If mortgage insurance is selected as the original loan guarantee method and mortgage registration has been handled, the loan term will be shortened to non-mortgage insurance at the same time: the loan bank, and the agreement signed will be made by the loan bank.

4. The mortgage insurance chosen as the original loan guarantee method is still within the insurance period, and the mortgage registration has not yet been handled: the borrower can apply for partial repayment in advance and shorten the loan period, which can be handled directly at the guarantee center.

Repayment procedures:

According to the regulations of the bank, customers need to submit a written application one week to one month in advance to agree on the repayment date. Then, according to the agreed date, bring your ID card and the loan contract signed with the bank to the bank to fill in the loan repayment application form and prepayment agreement, and deposit the money to be repaid in your bank, and the bank will automatically deduct the money.

There is no limit to the number of times a bank repays the loan in advance, and it can pay off the loan in whole or in part. Only the initial repayment amount of each loan is 654.38+0,000 yuan or a multiple of 654.38+0,000 yuan per bank, so that the loan can be partially repaid in advance.

Some borrowers who repay loans in advance can choose two ways: one is to reduce the monthly repayment amount and keep the repayment period unchanged; The other is to shorten the repayment period and keep the monthly repayment amount unchanged. If the lender's income continues until the loan period is repaid, the desire to be debt-free will be realized as soon as possible. If the income does not increase too much, the repayment period will remain unchanged, which will reduce the repayment pressure.

It is worth mentioning that the prepayment application form is irrevocable once confirmed by the borrower's bank, and as a supplementary clause of the loan contract, it has the same legal effect as the loan contract. What is the reason why the buyer fails to make a loan according to the date and amount specified in the application for prepayment sent to the borrower's bank?

2. What are the rules for China Everbright Bank to repay the loan in advance?

First, to repay the loan in advance at China Everbright Bank, you need to bring your ID card and bank card. It is best to pay off the loan in one lump sum and partly by myself. 2. Everbright Bank needs to make an appointment about one week in advance to repay the loan in advance. Third, the mortgage cannot be handled. After one year, it is usually once a year. 4. Everbright Bank repays the loan in advance, with a minimum repayment amount of 6,543,800 yuan each time. 5. Everbright Bank repays the loan in advance without penalty interest. Repayment procedures: formalities: 1. Repayment in full in advance: after verifying relevant materials, the loan bank will go through all repayment procedures in advance. 2. Early repayment with the same loan term: the loan bank instructs the borrower to fill in the relevant agreement. If the original loan guarantee method is mortgage insurance and mortgage registration has not been done, you need to go to the insurance company designated by the city center to go through the formalities of reducing the insured amount with the original policy, your ID card and relevant agreements, and the final agreement should be sent to the corresponding sub-center by the loan bank in time. 3. If the original loan guarantee method is mortgage insurance and mortgage registration has been completed, and the borrower who chooses non-mortgage insurance applies for partial repayment in advance and shortens the loan term: the loan bank instructs the borrower to fill in the relevant agreement, and the signed agreement is sent to the corresponding sub-center by the loan bank in time. 4. The mortgage insurance chosen as the original loan guarantee method is still within the insurance period, and the mortgage registration has not yet been handled: the borrower can apply for partial repayment in advance and shorten the loan period, which can be handled directly at the guarantee center. Repayment procedure: According to bank regulations, customers need to submit a written application one week to one month in advance to agree on the repayment date. Then, according to the agreed date, bring your ID card and the loan contract signed with the bank to the bank to fill in the loan repayment application form and prepayment agreement, and deposit the money to be repaid into your account for withholding the loan principal and interest according to the requirements of the bank, and the bank will automatically deduct the money. There is no limit to the number of times a bank repays the loan in advance, and it can pay off the loan in whole or in part. It's just that the starting amount of each loan repayment is different from bank to bank. Some regulations are 65,438+0,000 yuan or multiples of 65,438+0,000 yuan, and some banks stipulate that the loan can be repaid in advance if it is more than 1000 yuan. Some borrowers who repay loans in advance can choose two ways: one is to reduce the monthly repayment amount and keep the repayment period unchanged; The other is to shorten the repayment period and keep the monthly repayment amount unchanged. If the income of the lender keeps increasing, you can choose the repayment method of shortening the loan term and realize the desire of being debt-free as soon as possible. If the income does not increase too much, you can reduce the repayment amount and keep the repayment period unchanged, which will reduce the repayment pressure. It is worth mentioning that the prepayment application form is irrevocable once confirmed by the borrower's bank. As a supplementary clause of the loan contract, it has the same legal effect as the loan contract. If the loan purchaser fails to repay the loan in advance according to the date and amount specified in the application for prepayment sent to the borrower's bank for any reason, it will be regarded as overdue repayment, and the loan purchaser will bear corresponding liabilities for breach of contract according to the loan contract.

Third, China Everbright Bank repaid the loan in advance.

It should be possible. Ask the bank that accepted your loan at that time. Local policies are different in every place. You can choose to change the loan method, or shorten the loan period and repay part of the loan in advance.

Conclusion: Banks can lend as much as they can. Don't dwell on that interest.

Four. What are the latest regulations of Everbright prepayment 2023?

1.

Make an appointment with the bank account manager in advance.

2.

Bring your ID card to the bank outlet for loan business at the appointed time.

3.

According to bank regulations, customers need to submit a written application one week to one month in advance to agree on the repayment date;

4.

On the agreed date, I will bring my ID card and the loan contract signed with the bank to fill in the loan repayment application form and prepayment agreement at the bank, and deposit the money to be repaid into your account for withholding the loan principal and interest according to the requirements of the bank.