Do I need to pay a contract with a loan in advance?Jiangsu Banking Insurance Supervision Bureau responded on -site

Inserture point News On the morning of August 16th, in the live broadcast of "The Political Wind Hotline, I will help you ask the Hall of the Hall" in the Jiangsu Banking Regulatory Bureau, Mr. Liu, a citizen of Wuxi, reported that he borrowed from Shanghai Bank of Wuxi Branch 2 years ago More than 1 million yuan was used for buying a house, and the contract agreed to pay off for 30 years. Recently, for the house for house removal, he intends to pay off the remaining 960,000 yuan loan at one time, but learned that the bank's approval process will take nearly two months. To this end, Mr. Liu has negotiated with the bank many times without substantial results. In response, the relevant person in charge of the Jiangsu Banking Regulatory Bureau responded on the spot.

It is understood that Mr. Liu's situation belongs to the loan in advance after one year. According to the contract, the bank does not receive a liquidated damage, but it takes two months of approval process. During this period, mortgage interest, and a large amount of deposits can only exist in banks.

The reporter visited Ningbo Bank, Bohai Bank, Guangfa Bank and other outlets in Nanjing, and found that these banks had different requirements for early loan repayment. The contract is different. Should mortgage loans pay a liquidated damage in advance?

In this regard, Huang Xianping, deputy director of the Unified Credit Office of the Jiangsu Banking Regulatory Bureau, said that under normal circumstances, consumers and banks will sign a borrowing contract for mortgage loans in the early stage. Terms. "Some banks do require a certain percentage of liquidated damages in the contract, but most banks also agreed that they can not be charged for early -loan repayment behaviors that meet certain conditions. The deadline, such as more than one year or two, or the number of repayment of the loan in advance for one year is not more than twice, each institution is different. "

As for the situation reported by Mr. Liu, Huang Xianping believes whether it is an institution that deliberately delay and belongs to a disguised charging, and also needs to be judged based on specific contract terms. "If it is verified, some banks do have unsatisfactory behaviors in disguise. As the regulatory authorities, they will take corresponding regulatory measures."

For whether you can directly repay the loan online, Huang Xianping said that many banks can actually apply through platforms such as mobile apps, palm banking banks, etc. The lender can learn about whether this item has been opened to his own loan or higher institutions. business.

"Is it easy for individuals to repay loans in advance? In fact, what reflects is whether the bank has goodwill and sincerity. The regulatory authorities have always encouraged the advocacy and hope that the bank can adjust some ways from the perspective of social responsibility and work temperature." Huang Xian Ping said.

Xinhua Daily · Jiaojiao Reporter Jiang Hao intern Huang Xiaomin

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