I three years ago for 20 million in housing loans, the wages the past few years, I still basically a loan, a three depend on the husband of a person's living wage. Earlier, the husband of the unit returned a 80,000 yuan, the internal fund-raising, due to the lack of good investment channels, the bank has always existed, I would like to use this money 80,000 yuan in advance of the loan. I do not know how to handle it is good to give guidance.
According to the bank, prepayments customers by giving one week to one month to apply in writing and agreed repayment dates. And follow the agreed date, carrying identity cards, and bank had signed loan contracts to Bank loan application form filled out and prepayments agreement, and the requirements of banks, the loan will need to deposit money into your withholding principal and interest of loans Account, the bank automatically deducted from the admission.
For the banks the number of prepayments and no restrictions can be repaid all at once, can also be part of the return of loans. Only the starting point for the amount of each loan provisions of different banks, some provisions of 10,000 yuan or 10,000 yuan in multiples, some banks will provide more than 1,000 yuan can advance of the loan.
Part of the loan prepayments, can choose two ways: First, reduce the monthly repayment amount, the repayment period unchanged; another is to shorten the repayment period, the monthly repayment amount unchanged. If the loans continue to increase revenue, may choose to shorten the period of loan repayment, the early realization of a debt Yi Shenqing aspirations. If revenue does not increase too much, also can be taken to reduce the amount, repayment period the same way, this would reduce pressure on the loan.
Prepayments It should be noted:
1, if both commercial loans have provident fund loans, should first early repayment of high interest rates of commercial housing loans.
2, after retirement should try to prepayments. After retirement loan is still in a very painful matter, does not help improve the financial management of family income.
3, If we had applications for housing loans through the insurance, if all prepayments or shorten the duration of the loan, insurance companies can request a refund for some of the premium.
4, if there is a better investment channels, investment income was higher than that of housing loan interest rates, it should not be prepayments.
According to the bank, prepayments customers by giving one week to one month to apply in writing and agreed repayment dates. And follow the agreed date, carrying identity cards, and bank had signed loan contracts to Bank loan application form filled out and prepayments agreement, and the requirements of banks, the loan will need to deposit money into your withholding principal and interest of loans Account, the bank automatically deducted from the admission.
For the banks the number of prepayments and no restrictions can be repaid all at once, can also be part of the return of loans. Only the starting point for the amount of each loan provisions of different banks, some provisions of 10,000 yuan or 10,000 yuan in multiples, some banks will provide more than 1,000 yuan can advance of the loan.
Part of the loan prepayments, can choose two ways: First, reduce the monthly repayment amount, the repayment period unchanged; another is to shorten the repayment period, the monthly repayment amount unchanged. If the loans continue to increase revenue, may choose to shorten the period of loan repayment, the early realization of a debt Yi Shenqing aspirations. If revenue does not increase too much, also can be taken to reduce the amount, repayment period the same way, this would reduce pressure on the loan.
Prepayments It should be noted:
1, if both commercial loans have provident fund loans, should first early repayment of high interest rates of commercial housing loans.
2, after retirement should try to prepayments. After retirement loan is still in a very painful matter, does not help improve the financial management of family income.
3, If we had applications for housing loans through the insurance, if all prepayments or shorten the duration of the loan, insurance companies can request a refund for some of the premium.
4, if there is a better investment channels, investment income was higher than that of housing loan interest rates, it should not be prepayments.
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