The regulations of CITIC Bank on early repayment of mortgage loans are:

1. For borrowers who have not agreed in advance on self-service early repayment or automatic early repayment, if they need to repay in advance , application should be made in advance. (Generally, it is required that the borrower and *** go to the lending bank with the borrower one month in advance).

2. Cardholders can call the CITIC Bank credit card service hotline to handle the early repayment business of Xin Kuai Cash. For early repayment, the remaining unpaid principal of Xin Kuai Cash must be paid back to the credit card in one go. It cannot just be Pay back part of it in advance. When handling early repayment business, 3% of the unpaid principal will be charged as an early repayment fee.

In addition, installment repayment facilitates flexible management of funds. It is recommended to repay in installments according to the bill amount. If you want to pay off the unpaid installment balance in advance for the installment business that has been successfully processed, you must call the CITIC Bank credit card customer service hotline to apply. After the customer service terminal successfully handles early repayment, the remaining installment amount will be displayed in the latest bill, and you can repay in time according to the bill amount.

After the application for cancellation of installment or early repayment is approved, the unpaid installment principal must be repaid in one go. According to different business rules, if some installment business is canceled, 93% of the unpaid principal will be charged as an early repayment procedure. fee.

Also, usually the borrower must have made regular repayments for more than six installments from the date of loan disbursement before he or she can apply for early repayment. As of the date of early repayment application, the loan cannot be overdue or in arrears (including principal, interest, penalty interest and security deposit).

If the borrower applies for partial early repayment, the early repayment amount must be an integral multiple of 10,000 yuan (as for whether early repayment will charge liquidated damages and other fees and related charging standards, it will also be determined by the branch based on Local market conditions determine by yourself).

CITIC Bank is one of China's national commercial banks. It was established on April 20, 1987 and is headquartered in Beijing. It is one of the six banks and three guarantees of Chinese financial stocks in Hong Kong, China. In 2007, A and H shares were listed simultaneously on the Shanghai Stock Exchange and the Stock Exchange of Hong Kong. Its business involves providing comprehensive financial solutions to corporate customers and institutional customers, and providing diversified financial products and services to individual customers.