After borrowing 180,000 yuan, there is still 80,000 and 50,000 left to repay the loan in advance?

Hello, early repayment is possible, you just need to bring the relevant documents, and the contract can be handled by the corresponding bank.

Of course, it is necessary to repay in advance, because most of your early repayment is interest, and the principal repaid in the later period is more, so you can repay in advance.

It should be possible to return it in advance, there is no problem, some platforms allow it, but some are not allowed.

Bank loans can be partially repaid or fully prepaid.

You can pay it back in advance, but there should be a handling fee.

Look at the contract.

Interest is still required for early repayment.

Most of them are.

The reason why many people choose to borrow money is because they don't have enough money for the time being, and they want to borrow some money to relieve the financial constraint. However, some users will always want to pay off the arrears in advance when they have enough funds to repay, which can save many repayment steps. At this time, you should pay attention to a series of issues such as whether the platform you borrow money on supports early repayment, whether there will be a handling fee for early repayment, etc.

Money is a credit service brand under Du Xiaoman Finance, which is easy to apply, fast to lend, flexible in borrowing and repaying, and users can take the initiative to apply. The interest fee for money is transparent, the big brand is reliable, the interest rate is low, and the maximum borrowing amount is 200,000, which can meet the needs of most borrowers.

At present, there are two modes of flexible repayment (borrowing and repayment) and regular repayment (repayment on schedule), of which in the flexible repayment mode, there is no penalty for early repayment for early repayment, and some users can change the borrowing mode on the loan trial calculation page.

In addition to individual consumers, small and micro business owners who need start-up or working capital can also consider having money to spend, and Money is committed to providing accurate, convenient and efficient financial services for small and micro business owners.

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

As long as the loan period is more than one year, the bank can repay the loan in advance.

Apply for early repayment in units of 10,000 yuan. You need to apply in writing to the bank one month after the last repayment date, and finally find a bank manager who is in charge of you, and he will tell you the specific repayment time and deduction time. In fact, I don't mind if you repay the loan in advance, 70% of the bank's repayment in the first 5 years is interest, and if you repay 200,000 yuan, it won't play a role.

It's better to do something with 200,000.

Extended Materials. 1. Early repayment is cost-effective.

The question of the cost-effectiveness of early repayment depends on the actual situation;

The first branch envy. 1. Prepayment.

In fact, it depends on the specific situation, if you have already enjoyed the special preferential treatment of the loan when you signed the contract, then as long as the preferential range is about 20% off, then it is generally not cost-effective for you to repay the loan in advance, which I have actually touched a lot.

Clause. For example, when the interest rate of the mortgage begins to decline, it will be very cost-effective to repay the loan in advance, so you will suffer a lot, because the declining interest rate has offset a lot of pressure in your early stage.

Legal basis: Measures for the Administration of Personal Housing Loans

Article 35 Where the borrower falls under any of the following circumstances, the lender shall be in accordance with the People's Bank of China.

The relevant provisions of the General Principles of Loans shall investigate the liability of the borrower for breach of contract.

1. The borrower fails to repay the principal and interest of the loan on time;

2. The borrower provides false documents or materials, which has caused or may cause loan losses;

3. Without the consent of the lender, the borrower will create a mortgage.

or the pledge of property or rights and interests is demolished, transferred, donated or repeatedly mortgaged;

4. The borrower changes the purpose of the loan without authorization or misappropriates the loan;

5. The borrower refuses or obstructs the lender from supervising and inspecting the use of the loan;

6. The borrower signs a contract or agreement with other legal persons or economic organizations that is detrimental to the rights and interests of the lender;

7. The guarantor violates the guarantee contract or loses the ability to bear joint and several liability, and the collateral is insufficient to repay the principal and interest of the loan due to accidental damage, and the significant reduction of the pledge affects the lender's realization of the pledge.

The borrower fails to implement a new guarantee or a new mortgage (pledge) as required.

Summary. The process of early repayment. 1. The borrower needs to submit a written application to the bank about a week to a month in advance, and agree on the repayment date.

2. On the agreed date, the borrower should bring his ID card and the loan contract signed by the bank to the bank to fill in the loan repayment application form and prepayment agreement. 3. The bank will begin to review the relevant information submitted by the borrower, and after confirming that it is correct, it will go through the procedures for early repayment. 4. The borrower shall, in accordance with the requirements of the bank, deposit the cash to be repaid into the withholding account, which will be automatically deducted by the bank.

The bank has a loan of 280,000 yuan with equal principal and interest, and 70,000 yuan has been repaid, and 100,000 yuan is repaid in advance, how much money will be saved for the remaining repayment.

Hello, if you repay the loan within the first 5 years, you can save 10,000 yuan in interest. The bank has an equal principal and interest loan of 280,000 yuan, if it is a 20-year time benchmark interest rate, and 70,000 yuan has been repaid, and you submit a repayment of 100,000 yuan, which is reduced by the principal, and then you choose the same period and the monthly payment is reduced, at least you can save 10,000 yuan of interest, which is generally very cost-effective.

The process of early repayment. 1. The borrower needs to submit a written application to the bank about a week to a month in advance, and agree on the repayment date. 2. On the agreed date, the borrower should bring his ID card and the loan contract signed by the bank to the bank to fill in the loan repayment application form and prepayment agreement.

3. The bank will begin to review the relevant information submitted by the borrower, and after confirming that it is correct, it will go through the procedures for early repayment. 4. The borrower shall, in accordance with the requirements of the bank, deposit the cash to be repaid into the withholding account, which will be automatically deducted by the bank.

Summary. Hello, the mortgage of 400,000 yuan was repaid in 8 years, and the loan of 200,000 yuan was repaid in advance after 18 months, which must be suitable.

Is it appropriate to repay the mortgage of 4o million in 8 years and repay the loan of 200,000 yuan in advance after 18 months?

Hello, the mortgage of 400,000 yuan was repaid in 8 years, and the loan of 200,000 yuan was repaid in advance after 18 months, which must be suitable.

Let me tell you, the sooner the mortgage is repaid, the more cost-effective it is, because the mortgage is preceded by more interest and less principal.

The more you go to the back, the principal is repaid.

Therefore, the earlier the mortgage is repaid, the more cost-effective, you repay 200,000 yuan in advance, and you can pay 200,000 yuan less interest later.

<> understood? However, when you repay the loan early, you should ask if you want liquidated damages.

I've been a bank worker for many years and know this very well! Pro: After a year, you can.

Then you can repay the loan early.

Are you equal principal and interest or equal principal?

Equal principal amount. Oh.

The equal principal amount is the same as the principal repaid each month.

Equal principal and interest method: the total loan amount is 200,000, assuming the annual interest rate at that time, the loan term is 15 years: The monthly repayment of principal and interest is:

The total repayment amount is: Yuan, the total interest payable: Yuan.

The first month's interest repayment is: the first month's principal repayment is: The 2nd month interest repayment is:

The 2nd month principal repayment is: After that, the monthly interest repayment amount decreases and the principal repayment increases. (Interim interest rate adjustments are not taken into account).

The number of months repaid is 16 months; Co-repayment of interest, co-repayment of principal The last installment of interest on the remaining principal is not considered for mid-course interest rate adjustments) It is still necessary to pay off now:

Prepayment of principal: 80,000, remaining principal 107551, annual interest rate, loan tenure 15; The monthly repayment amount becomes: , Total Repayment, Total Interest.

Loan 180,000, 180 installments, equal principal loan, monthly principal repayment: 180,000 180 = 1,000 yuan, 86th interest: 86,000 yuan, decreasing every month:

1000 yuan, and the total amount of interest remaining (yuan. Now early repayment can save interest yuan, and early repayment with financial conditions is still cost-effective.