How to pay mortgage at the counter
With the adjustment of mortgage policies and the diversification of financial services, many borrowers still prefer to choose traditional over-the-counter repayment methods. This article will introduce in detail the specific process, precautions and related hot topics of repaying a mortgage over the counter to help you complete the repayment operation efficiently.
1. Recent hot mortgage-related topics (last 10 days)
| Ranking | hot topics | Search volume trends |
|---|---|---|
| 1 | Mortgage interest rate reduction policy | ↑35% |
| 2 | Disputes over early repayment liquidated damages | ↑28% |
| 3 | Comparison of commercial bank repayment channels | ↑22% |
| 4 | New rules for repayment of provident fund loans | ↑18% |
2. Detailed process of over-the-counter mortgage repayment
1.Prepare materials: You need to bring the original ID card, loan contract number, repayment bank card (or cash), and recent repayment details (optional).
2.Bank branch selection: It is recommended to give priority to the loan handling bank, other branches may require additional handling fees.
| Bank type | Inter-bank repayment handling fee | Processing time limit |
|---|---|---|
| state-owned banks | 0-20 yuan/pen | Real-time arrival |
| joint-stock bank | 10-30 yuan/pen | T+1 working day |
3.Counter procedures:
① Take the number and select "Personal Loan Business"
② Fill out the "Early Repayment Application Form" (if you need to repay early)
③ Check the repayment amount and account information
④ Obtain a receipt stamped with the official seal
3. Precautions
| Things to note | Specific instructions |
|---|---|
| Repayment time | It is recommended to apply before the 15th of each month to avoid late payment fees. |
| Amount limit | A single cash repayment shall not exceed 50,000 yuan (according to anti-money laundering regulations) |
| Credential saving | The receipt must be kept until the loan is settled |
4. Frequently Asked Questions
Q1: Can I handle repayment over the counter?
A: Yes, you need to provide the agent’s ID card and notarized power of attorney.
Q2: How long does it take to update the credit record after repayment?
A: It is usually updated within 3-5 working days. Repayment at the end of the month may be delayed until the following month.
Q3: Do I need to re-sign the contract after partial repayment?
A: Only the remaining repayment plan is adjusted, and there is no need to re-sign the loan contract.
5. Expert advice
Financial experts remind: In the third quarter of 2023, many banks will launch over-the-counter repayment discounts, and some banks will waive or waive handling fees. It is recommended to confirm the latest policies through the customer service hotline (see the table below for customer service hotlines of each bank) before repaying.
| Bank name | Customer service phone number | Promotion expiration date |
|---|---|---|
| ICBC | 95588 | 2023-12-31 |
| China Construction Bank | 95533 | 2023-11-30 |
Through the above structured guidelines, borrowers can efficiently complete over-the-counter repayment operations. It is recommended to choose an appropriate repayment channel based on your own situation and consult a professional financial advisor when necessary.
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