Why should I wait for two months to repay the mortgage in advance?Bank of Shanghai: The case has been completed

The intersection news "Taking advantage of the abundant funds in your hand, the mortgage is returned in advance", this idea is the common voice of many buyers. However, Mr. Liu, a resident of the Economic Development Zone who lives in Wuxi, was in trouble in this matter. Mr. Liu reported in the political wind and hotline program on August 16 that he borrowed more than 1 million yuan from Shanghai Bank to buy a house in 2019, and the contract agreed to pay off for 30 years. Recently, Mr. Liu was ready to pay off the remaining 960,000 yuan in advance. In May of this year, he submitted the application process to the bank, but he was told that he had to wait for two months. Mr. Liu thought it was the bank's intentional settlement. Do you want to "wait for a period" in advance? Why did Mr. Liu feel "set up"?

On the 18th, in response to Mr. Liu's demands in the live broadcast of the political wind hotline, Xinhua Daily · Jiao Dianjian reporter followed the supervision of the Jiangsu Banking Insurance Bureau to the Bank of Shanghai for supervision.

At the supervision site, the reporter saw Mr. Liu's retail loan contract that year. Article 17 The terms are called "early repayment", which clearly stipulates that if the borrower returns the unprepared part or all the personal housing commercial loans in advance, a written application shall be submitted to the lender in advance. , The two parties have agreed on the date of advance repayment. "After half a year repayment, if the borrower needs to repay in advance, our bank does not need to pay a liquidated damages, but needs to contact the loan manager at the loan outlet and sign a written contract." The process of signed a written contract for a borrower requires a loan manager to communicate with one -to -one communication to learn more about the repayment intention of the borrower and the amount of repayment. Due to the provisions of the number of repayments for each year, the loan manager needs to explain and confirm again with the lender to avoid delaying the loan's repayment plan throughout the year. After the lender signed a written contract at the outlet, the outlets were handed over to the regional branch to review and make accounts. "After the live broadcast, we checked the account and found that Mr. Liu put the money into the repayment account three on June 7 this year, and Mr. Liu's early repayment on June 10 has been completed." Xu Lai Explanation that the lender during the review period does not need to deposit the money into the account in advance. "After the review is approved, we will confirm the repayment date with the lender, and the phone will be confirmed again before the deduction. It is okay to enter the account before this."

Xu Lai told reporters that although the retail loan contract did not stimulate the time required for review and consent, the process will not exceed 20 working days in previous years. "This year's repayment volume has increased significantly compared to the same period of the same period in the same period. Because the person's hand is relatively tight, the review period is slightly longer than in previous years." Xu Lai admits that they have insufficient preparations for emergencies, so they give Liu who sells houses and sells houses. The gentleman caused "setting card" feelings. "Next, we will further improve services, optimize contracts, and develop online repayments and other repayments to provide borrowers with more convenience."

Xinhua Daily · Jiaojiao Reporter Chen Yilu

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