Is the loan repay in advance online?Four times a year, the application for re -application is 60 days ... Expert: Still restricted

"Finally recovered ..."

Recently, many home buyers in Beijing stated that "the bank has restored the application entrance to online loan repayment channels. It can only be paid 4 times a year. "

The online repayment channels on online online repayment have been restored, but many buyers still try to apply for a failure in advance. In response, bank customer service staff also responded.

Recently, a number of home buyers in Beijing have taken a screenshot of the bank to restore the entrance of the loan repayment channel in advance. Some buyers have made a successful appointment, but they cannot repay the loan in advance on the same day, but they need to wait for a month to deduct.

A home buyer submitted an early loan application on September 23. After the appointment was successful, the bank reminded the buyer that "the funds should be deposited in the bank card on October 24. The deduction fails, you need to repay the book in advance. "

Although this bank's online repayment channels have been restored online in Beijing, buyers in Guangxi, Henan, Shanghai, Hubei, Jiangsu, Sichuan, Zhejiang, Hunan, etc. "Can't accept your application for the time being for the time being."

A reporter from Beijing Commercial Daily called the bank's customer service phone to consult. The customer service staff said that "At present, only Beijing has opened the appointment channel for online repayment loans in advance, and online repayment channels for other cities will be opened in October."

"Today, the upgraded system has also changed new." Some buyers mentioned that in addition to the deduction only one month after the application is submitted, after the completion of the loan repayment, it takes 60 days to apply for it again to repay the book in advance. Calculate the time to queue up halfway, only 4 times a year can be repaid 4 times a year.

Regarding the bank settings of 60 days to repay the loan again, many buyers have said that they have been restricted to the freedom of loan repayment.

Su Xiaorui, a senior analyst of the financial industry, said that with the decline of financial investment income, more and more financial consumers tend to reduce leverage by repaying loans in advance and optimize their own debt structure. However, in advance, the behavior of repayment may not be welcomed by the bank. Especially in the moment when personal mortgage is used as high -quality assets, there have been a "restricted measure" water testing action such as the bank repaying loans in advance.

The bank will not deduct the bank one month after submitting the application. After this loan repayment, it takes 60 days to apply again. It is to restrict the actions of early loan repayment by stretching for a long time and reducing the frequency to prevent the frequency of frequent frequency in the short term. Applications for early repayment have affected the rapid loss of banks' own high -quality assets.

"The setting interval 60 days also avoids pressure on the online system operation due to the increase in the number of loans in advance." Broadcom analyzed the senior analyst of the financial industry Wang Pengbo. For banks, in addition to optimizing mobile banking app online loan channels for online loan channels In addition, it is necessary to improve service awareness, guide buyers to pay rational repayment and truly provide convenience for buyers.

For buyers, Zhou Maohua, a macro researcher of the Financial Market Department of Everbright Bank, suggested whether to repay the loan in advance, depending on whether the original mortgage interest rate is high, whether the rest of the remaining years is long, whether there are enough idle funds, etc., and return it in advance. The general number of loans is not small, and liquidity issues need to be considered in the future.

Reporter 丨 Song Yitong

Edit 丨 Zhang Lan

Photo 丨 One Tuwang, Bank of Communications announced, screenshot of Sina Weibo

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