1. Is there any handling fee for early repayment?

If it is a regular bank loan, the handling fee will be waived for early repayment and only a part of it will be charged. If it is a credit card installment payment, the handling fee will be charged normally and there will be no deduction or exemption.

2. Will there be a handling fee for early repayment of credit card installments?

There will be handling fees for early repayment of credit card installments. Generally, there are two situations: 1. Credit card installment payment For early repayment, the remaining handling fees will be charged as usual. Bank of Communications, China Merchants Bank, China Guangfa Bank and China Construction Bank all charge the handling fees for early installment repayment of credit cards; 2. There is no remaining handling fee for early repayment of credit card installments. , but an additional early repayment fee will be charged. Banks that charge credit card installment early repayment fees include China CITIC Bank, Shanghai Pudong Development Bank and China Minsheng Bank. : Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit. Credit cards stipulated in my country's relevant laws ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions that have all the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc. Or an electronic payment card with partial functions?. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate). Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; a quasi-credit card refers to a credit card in which the cardholder can A quasi-credit card that deposits a certain amount of reserve fund and can be overdrafted within the specified credit limit when the reserve account balance is insufficient for payment. The so-called credit card generally refers to a credit card only. Starting from January 1, 2021, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled. 0.7 times). On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Cases". Credit card is a method of payment for non-cash transactions and is a simple credit service. A credit card is generally a plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. It is issued to the cardholder by the bank or credit card company based on the user's creditworthiness and financial resources. The cardholder does not need to pay cash when using the credit card to make purchases. Make further repayments. Except for some credit cards combined with debit cards, general credit cards are different from debit cards and ATM cards in that credit cards will not directly deduct funds from the user's account. A credit card is a special carrier card issued by commercial banks to individuals and organizations, which allows them to shop and consume with special entities and deposit and withdraw cash from banks. It is a special carrier card with consumer credit. It is in the form of a card with the name, validity period, number, and number of the issuing bank printed on the front. Cards containing the cardholder's name, etc., and a magnetic stripe and signature strip on the back. A real credit card has the following characteristics: it is not encouraged to deposit cash in advance, consume first and repay later, enjoys an interest-free payment period, can repay in installments independently (with a minimum repayment amount), and joins VISA, MASTER and other international credit card organizations so that it can be used globally. .

3. Is there any handling fee for early repayment?

First check, if there is no agreement, there will be no one. If there is an agreement, you need to negotiate with your lending bank. , usually 1% of the repayment amount

4. Is there any handling fee for early repayment?

No handling fee will be charged, but liquidated damages will be paid. Although the specific regulations vary, they are generally the same: in addition to liquidated damages for early repayment (there are two specific ways. One is to charge a few more months of interest.

One is calculated based on the percentage of the remaining amount). In addition to the requirements, there are also certain requirements in many aspects such as repayment time and repayment amount. For example, the Agricultural Bank of China requires borrowers to apply for early repayment three months after the loan expires, but they must make an appointment 15 days in advance. Each repayment amount is not less than 10,000, and there are only two early repayment opportunities a year; If CCB requires a one-time early settlement of the loan, an appointment must be made one week in advance. If the loan is partially repaid in advance, it can be repaid on arrival. Therefore, if you plan to repay early, you must read the loan contract carefully and understand the bank's requirements for early repayment so that you can repay smoothly.