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What is the penalty for prepayment by China Merchants Bank?
0.5% prepayment amount and 0.3% prepayment amount. According to the query, Subei official website shows:

1, 0.5%: prepay within 1 year from the date of loan issuance, and the penalty is the prepayment amount multiplied by 0.5%.

2.0.3%: the loan shall be repaid in advance 1 year from the date of loan issuance, and the liquidated damages shall be 0.3% of the prepayment amount.