房贷提前还款划算吗？各大银行贷款提前还款规定

　　许_blank class=infotextkey>get=_blank class=infotextkey>多_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>有提前还贷的想法，_blank class=infotextkey>get=_blank class=infotextkey>那么_blank class=infotextkey>get=_blank class=infotextkey>究竟提前还贷划_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>划算？我的_blank class=infotextkey>get=_blank class=infotextkey>朋友就问我“手_blank class=infotextkey>get=_blank class=infotextkey>上_blank class=infotextkey>get=_blank class=infotextkey>有一笔钱，_blank class=infotextkey>get=_blank class=infotextkey>目前也_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>好的_blank class=infotextkey>get=_blank class=infotextkey>投资途径，要_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不要提前把_blank class=infotextkey>get=_blank class=infotextkey>房贷给还了？_blank class=infotextkey>get=_blank class=infotextkey>怎样_blank class=infotextkey>get=_blank class=infotextkey>操作？_blank class=infotextkey>get=_blank class=infotextkey>到底要_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不要提前还贷呢？首先要明白一点：只要_blank class=infotextkey>get=_blank class=infotextkey>基准_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>调整，_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上调对已发放_blank class=infotextkey>get=_blank class=infotextkey>贷款是_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>影响的。

　　众所周知，_blank class=infotextkey>get=_blank class=infotextkey>现在的_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>最长是_blank class=infotextkey>30年，根据_blank class=infotextkey>get=_blank class=infotextkey>调查_blank class=infotextkey>get=_blank class=infotextkey>发现，在实际_blank class=infotextkey>get=_blank class=infotextkey>生活_blank class=infotextkey>get=_blank class=infotextkey>中_blank class=infotextkey>真正的还款周期并_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>那么长，许_blank class=infotextkey>get=_blank class=infotextkey>多_blank class=infotextkey>get=_blank class=infotextkey>人都_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>选择提前还贷，总_blank class=infotextkey>get=_blank class=infotextkey>觉得欠_blank class=infotextkey>get=_blank class=infotextkey>银行钱心里_blank class=infotextkey>不舒服，_blank class=infotextkey>get=_blank class=infotextkey>那么_blank class=infotextkey>get=_blank class=infotextkey>什么_blank class=infotextkey>get=_blank class=infotextkey>情况_blank class=infotextkey>get=_blank class=infotextkey>下_blank class=infotextkey>get=_blank class=infotextkey>适_blank class=infotextkey>合提前还贷，提前还贷的_blank class=infotextkey>get=_blank class=infotextkey>注意_blank class=infotextkey>get=_blank class=infotextkey>事项_blank class=infotextkey>get=_blank class=infotextkey>又_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>哪些？

　　_blank class=infotextkey>get=_blank class=infotextkey>今天就由_blank class=infotextkey>get=_blank class=infotextkey>小编为_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>大家一一解答。

　　_blank class=infotextkey>get=_blank class=infotextkey>适_blank class=infotextkey>合提前还贷

　　_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>人是因为要_blank class=infotextkey>get=_blank class=infotextkey>购买_blank class=infotextkey>第二套_blank class=infotextkey>get=_blank class=infotextkey>房，想先还_blank class=infotextkey>get=_blank class=infotextkey>清_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>降低_blank class=infotextkey>get=_blank class=infotextkey>首付;_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>人是因为要卖_blank class=infotextkey>get=_blank class=infotextkey>房提前还贷，当然，也_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>觉得提前还贷能省_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>少利息，总结以_blank class=infotextkey>get=_blank class=infotextkey>下几种适宜还贷的_blank class=infotextkey>get=_blank class=infotextkey>情况供_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>大家参考。

　　1、_blank class=infotextkey>如果是等额本息_blank class=infotextkey>get=_blank class=infotextkey>贷款，_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>超过_blank class=infotextkey>get=_blank class=infotextkey>贷款年_blank class=infotextkey>get=_blank class=infotextkey>限三分之一，提前还款_blank class=infotextkey>get=_blank class=infotextkey>比较_blank class=infotextkey>get=_blank class=infotextkey>划算;

　　_blank class=infotextkey>get=_blank class=infotextkey>2、_blank class=infotextkey>如果是等额_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金，_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>超过整_blank class=infotextkey>get=_blank class=infotextkey>体_blank class=infotextkey>get=_blank class=infotextkey>贷款年_blank class=infotextkey>get=_blank class=infotextkey>限四分之一，_blank class=infotextkey>get=_blank class=infotextkey>可以做一_blank class=infotextkey>部分提前还款;

　　_blank class=infotextkey>3、_blank class=infotextkey>get=_blank class=infotextkey>除了_blank class=infotextkey>get=_blank class=infotextkey>五年_blank class=infotextkey>定存一点_blank class=infotextkey>get=_blank class=infotextkey>投资_blank class=infotextkey>get=_blank class=infotextkey>理财都_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>会的，就提前还吧，还_blank class=infotextkey>get=_blank class=infotextkey>完了经_blank class=infotextkey>get=_blank class=infotextkey>常_blank class=infotextkey>看看_blank class=infotextkey>get=_blank class=infotextkey>怎么_blank class=infotextkey>get=_blank class=infotextkey>理财，相_blank class=infotextkey>get=_blank class=infotextkey>信对_blank class=infotextkey>get=_blank class=infotextkey>你一_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>有帮助;

　　4、想还_blank class=infotextkey>get=_blank class=infotextkey>清_blank class=infotextkey>get=_blank class=infotextkey>贷款作抵押的，或者还_blank class=infotextkey>get=_blank class=infotextkey>清_blank class=infotextkey>get=_blank class=infotextkey>贷款撤抵押卖_blank class=infotextkey>get=_blank class=infotextkey>房的，_blank class=infotextkey>get=_blank class=infotextkey>没啥_blank class=infotextkey>说的_blank class=infotextkey>get=_blank class=infotextkey>必须还;

　　5、死活_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不能欠_blank class=infotextkey>get=_blank class=infotextkey>银行钱，_blank class=infotextkey>不管是_blank class=infotextkey>get=_blank class=infotextkey>家里_blank class=infotextkey>get=_blank class=infotextkey>人催_blank class=infotextkey>get=_blank class=infotextkey>还是_blank class=infotextkey>get=_blank class=infotextkey>自己强迫症，早还早省心。

　　_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>适_blank class=infotextkey>合提前还贷

　　1、用_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>贷款的，或者_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>时享_blank class=infotextkey>get=_blank class=infotextkey>有较_blank class=infotextkey>get=_blank class=infotextkey>大折扣的（_blank class=infotextkey>get=_blank class=infotextkey>一般为8.5折，当然也_blank class=infotextkey>get=_blank class=infotextkey>有极_blank class=infotextkey>get=_blank class=infotextkey>少数_blank class=infotextkey>get=_blank class=infotextkey>人还在享受7折_blank class=infotextkey>get=_blank class=infotextkey>利率优_blank class=infotextkey>get=_blank class=infotextkey>惠）。

　　_blank class=infotextkey>get=_blank class=infotextkey>目前，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>五年期以_blank class=infotextkey>get=_blank class=infotextkey>上_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>利率为_blank class=infotextkey>3._blank class=infotextkey>get=_blank class=infotextkey>25%，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>基准_blank class=infotextkey>get=_blank class=infotextkey>利率为4.9%，_blank class=infotextkey>get=_blank class=infotextkey>再加_blank class=infotextkey>get=_blank class=infotextkey>上折扣，执行_blank class=infotextkey>get=_blank class=infotextkey>利率就达_blank class=infotextkey>get=_blank class=infotextkey>到了4.165%，_blank class=infotextkey>get=_blank class=infotextkey>可以说是_blank class=infotextkey>get=_blank class=infotextkey>非_blank class=infotextkey>get=_blank class=infotextkey>常低的_blank class=infotextkey>get=_blank class=infotextkey>水平。_blank class=infotextkey>get=_blank class=infotextkey>由于已享受较低折扣的_blank class=infotextkey>get=_blank class=infotextkey>利率优_blank class=infotextkey>get=_blank class=infotextkey>惠，拿手_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中的闲置_blank class=infotextkey>get=_blank class=infotextkey>资_blank class=infotextkey>get=_blank class=infotextkey>金做_blank class=infotextkey>get=_blank class=infotextkey>一些_blank class=infotextkey>get=_blank class=infotextkey>理财更为_blank class=infotextkey>get=_blank class=infotextkey>划算。相反，_blank class=infotextkey>get=_blank class=infotextkey>进行提前还贷的话，要_blank class=infotextkey>get=_blank class=infotextkey>按照_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同支付一笔_blank class=infotextkey>get=_blank class=infotextkey>高昂的_blank class=infotextkey>get=_blank class=infotextkey>违约_blank class=infotextkey>get=_blank class=infotextkey>金。

　　_blank class=infotextkey>get=_blank class=infotextkey>2、等额_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金还款期已过1/_blank class=infotextkey>3的

　　等额_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金是将_blank class=infotextkey>get=_blank class=infotextkey>贷款总额平分_blank class=infotextkey>get=_blank class=infotextkey>成本_blank class=infotextkey>get=_blank class=infotextkey>金，根据所剩_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金计算还款利息。也_blank class=infotextkey>get=_blank class=infotextkey>就是说，越到后期，这种_blank class=infotextkey>get=_blank class=infotextkey>方式所剩的_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金越_blank class=infotextkey>get=_blank class=infotextkey>少，所产_blank class=infotextkey>get=_blank class=infotextkey>生的利息也越_blank class=infotextkey>get=_blank class=infotextkey>少。_blank class=infotextkey>如果_blank class=infotextkey>get=_blank class=infotextkey>你已经还款_blank class=infotextkey>get=_blank class=infotextkey>超过1/_blank class=infotextkey>3了，就说明已还了将_blank class=infotextkey>近一半的利息，后期所还的更_blank class=infotextkey>get=_blank class=infotextkey>多是_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金，利息_blank class=infotextkey>get=_blank class=infotextkey>高低对还款额_blank class=infotextkey>get=_blank class=infotextkey>影响_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>大。

　　_blank class=infotextkey>3、等额本息还款已到_blank class=infotextkey>get=_blank class=infotextkey>中期的。

　　等额本息是把_blank class=infotextkey>get=_blank class=infotextkey>按揭_blank class=infotextkey>get=_blank class=infotextkey>贷款的_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金总额与利息总额相加，_blank class=infotextkey>get=_blank class=infotextkey>然后_blank class=infotextkey>get=_blank class=infotextkey>平均分摊到_blank class=infotextkey>get=_blank class=infotextkey>每个月_blank class=infotextkey>get=_blank class=infotextkey>中。也_blank class=infotextkey>get=_blank class=infotextkey>就是说，_blank class=infotextkey>get=_blank class=infotextkey>每月还款额_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中的_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金比_blank class=infotextkey>get=_blank class=infotextkey>重逐月递增、利息比_blank class=infotextkey>get=_blank class=infotextkey>重逐月递减。_blank class=infotextkey>get=_blank class=infotextkey>到了还款_blank class=infotextkey>get=_blank class=infotextkey>中期，已经偿还了_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>部分的利息，因此提前还贷_blank class=infotextkey>意义也_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>大。

　　1、_blank class=infotextkey>get=_blank class=infotextkey>需要弄_blank class=infotextkey>get=_blank class=infotextkey>清楚_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>银行对提前还贷的相关_blank class=infotextkey>get=_blank class=infotextkey>规_blank class=infotextkey>定：

　　在还款_blank class=infotextkey>get=_blank class=infotextkey>之前，先去_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>了解_blank class=infotextkey>get=_blank class=infotextkey>清楚_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>银行对于提前还贷_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>哪些_blank class=infotextkey>get=_blank class=infotextkey>具_blank class=infotextkey>get=_blank class=infotextkey>体的_blank class=infotextkey>get=_blank class=infotextkey>规_blank class=infotextkey>定，比如提前还贷是否_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>违约_blank class=infotextkey>get=_blank class=infotextkey>金，_blank class=infotextkey>如果_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>违约_blank class=infotextkey>get=_blank class=infotextkey>金，其_blank class=infotextkey>收取的_blank class=infotextkey>get=_blank class=infotextkey>标准_blank class=infotextkey>get=_blank class=infotextkey>怎样;提前_blank class=infotextkey>get=_blank class=infotextkey>预约还贷_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时间是否_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>要求;_blank class=infotextkey>以及对提前还贷的数额_blank class=infotextkey>get=_blank class=infotextkey>又_blank class=infotextkey>get=_blank class=infotextkey>会否_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>规_blank class=infotextkey>定等等。

　　各_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>get=_blank class=infotextkey>银行提前还贷_blank class=infotextkey>get=_blank class=infotextkey>规_blank class=infotextkey>定：

　　_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中国_blank class=infotextkey>get=_blank class=infotextkey>银行

　　1、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>不足一_blank class=infotextkey>年的罚息三个月，需提前_blank class=infotextkey>get=_blank class=infotextkey>一个月_blank class=infotextkey>get=_blank class=infotextkey>申请方_blank class=infotextkey>get=_blank class=infotextkey>可提前还款;

　　_blank class=infotextkey>get=_blank class=infotextkey>2、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款满一年_blank class=infotextkey>不足二_blank class=infotextkey>年的罚息二个月，约5个_blank class=infotextkey>get=_blank class=infotextkey>工作日后拿_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产证_blank class=infotextkey>注销_blank class=infotextkey>get=_blank class=infotextkey>过户;

　　_blank class=infotextkey>3、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款满二年_blank class=infotextkey>不足_blank class=infotextkey>get=_blank class=infotextkey>三年的罚息_blank class=infotextkey>get=_blank class=infotextkey>一个月;

　　4、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>三年以_blank class=infotextkey>get=_blank class=infotextkey>上的已抵押_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同为准。

　　_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中国工_blank class=infotextkey>get=_blank class=infotextkey>商_blank class=infotextkey>get=_blank class=infotextkey>银行

　　1、_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有供满_blank class=infotextkey>3_blank class=infotextkey>年的都要罚_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>3个月，满_blank class=infotextkey>_blank class=infotextkey>3年无罚息;

　　_blank class=infotextkey>get=_blank class=infotextkey>2、需提前_blank class=infotextkey>get=_blank class=infotextkey>一个月_blank class=infotextkey>get=_blank class=infotextkey>申请方_blank class=infotextkey>get=_blank class=infotextkey>可提前还款，约_blank class=infotextkey>get=_blank class=infotextkey>10个_blank class=infotextkey>get=_blank class=infotextkey>工作日后拿_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产证_blank class=infotextkey>注销_blank class=infotextkey>get=_blank class=infotextkey>过户。

　　_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中国_blank class=infotextkey>农业_blank class=infotextkey>get=_blank class=infotextkey>银行

　　1、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>不足一_blank class=infotextkey>年的罚息六个月，需提前_blank class=infotextkey>get=_blank class=infotextkey>一个月_blank class=infotextkey>get=_blank class=infotextkey>申请方_blank class=infotextkey>get=_blank class=infotextkey>可提前还款;

　　_blank class=infotextkey>get=_blank class=infotextkey>2、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款满一年_blank class=infotextkey>不足_blank class=infotextkey>get=_blank class=infotextkey>三年的罚息三个月，约7个_blank class=infotextkey>get=_blank class=infotextkey>工作日后拿_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产证_blank class=infotextkey>注销_blank class=infotextkey>get=_blank class=infotextkey>过户;

　　_blank class=infotextkey>3、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款满_blank class=infotextkey>get=_blank class=infotextkey>三年以_blank class=infotextkey>get=_blank class=infotextkey>上的罚息_blank class=infotextkey>get=_blank class=infotextkey>一个月。

　　_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中国_blank class=infotextkey>get=_blank class=infotextkey>建设_blank class=infotextkey>get=_blank class=infotextkey>银行

　　1、_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>不足一_blank class=infotextkey>年的罚息三个月，需提前_blank class=infotextkey>get=_blank class=infotextkey>一个月_blank class=infotextkey>get=_blank class=infotextkey>申请方_blank class=infotextkey>get=_blank class=infotextkey>可提前还款;

　　_blank class=infotextkey>get=_blank class=infotextkey>2、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款满一年_blank class=infotextkey>不足二_blank class=infotextkey>年的罚息二个月，1个_blank class=infotextkey>get=_blank class=infotextkey>工作日后拿_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产证_blank class=infotextkey>注销_blank class=infotextkey>get=_blank class=infotextkey>过户;

　　_blank class=infotextkey>3、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款满二年_blank class=infotextkey>不足_blank class=infotextkey>get=_blank class=infotextkey>三年的罚息_blank class=infotextkey>get=_blank class=infotextkey>一个月;

　　4、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>三年以_blank class=infotextkey>get=_blank class=infotextkey>上的无罚息。

　　招_blank class=infotextkey>get=_blank class=infotextkey>商_blank class=infotextkey>get=_blank class=infotextkey>银行

　　1、需提前_blank class=infotextkey>get=_blank class=infotextkey>一个月_blank class=infotextkey>get=_blank class=infotextkey>申请方_blank class=infotextkey>get=_blank class=infotextkey>可提前还款，暂无罚息，个别支行_blank class=infotextkey>get=_blank class=infotextkey>要求预存;

　　_blank class=infotextkey>get=_blank class=infotextkey>2、_blank class=infotextkey>如果是_blank class=infotextkey>get=_blank class=infotextkey>开通授_blank class=infotextkey>get=_blank class=infotextkey>信的，按_blank class=infotextkey>get=_blank class=infotextkey>贷款额的千分之五罚。约_blank class=infotextkey>get=_blank class=infotextkey>10个_blank class=infotextkey>get=_blank class=infotextkey>工作日后拿_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产证_blank class=infotextkey>注销_blank class=infotextkey>get=_blank class=infotextkey>过户。

　　_blank class=infotextkey>get=_blank class=infotextkey>交通_blank class=infotextkey>get=_blank class=infotextkey>银行

　　1、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>不足_blank class=infotextkey>get=_blank class=infotextkey>三年_blank class=infotextkey>收取欠款_blank class=infotextkey>get=_blank class=infotextkey>金额1%罚息，需提前_blank class=infotextkey>get=_blank class=infotextkey>一个月_blank class=infotextkey>get=_blank class=infotextkey>申请方_blank class=infotextkey>get=_blank class=infotextkey>可提前还款;

　　_blank class=infotextkey>get=_blank class=infotextkey>2、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款满_blank class=infotextkey>get=_blank class=infotextkey>三年预存_blank class=infotextkey>get=_blank class=infotextkey>十天到_blank class=infotextkey>get=_blank class=infotextkey>一个月的_blank class=infotextkey>不_blank class=infotextkey>收罚息，约_blank class=infotextkey>get=_blank class=infotextkey>10个_blank class=infotextkey>get=_blank class=infotextkey>工作日后拿_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产证_blank class=infotextkey>注销_blank class=infotextkey>get=_blank class=infotextkey>过户。

　　_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中国邮_blank class=infotextkey>政储蓄_blank class=infotextkey>get=_blank class=infotextkey>银行

　　1、_blank class=infotextkey>_blank class=infotextkey>不满1_blank class=infotextkey>年的罚_blank class=infotextkey>get=_blank class=infotextkey>剩余_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金的1%;

　　_blank class=infotextkey>get=_blank class=infotextkey>2、1_blank class=infotextkey>get=_blank class=infotextkey>年后_blank class=infotextkey>get=_blank class=infotextkey>就要提前_blank class=infotextkey>get=_blank class=infotextkey>一个月_blank class=infotextkey>get=_blank class=infotextkey>申请，无罚息。约_blank class=infotextkey>get=_blank class=infotextkey>10个_blank class=infotextkey>get=_blank class=infotextkey>工作日后拿_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产证_blank class=infotextkey>注销_blank class=infotextkey>get=_blank class=infotextkey>过户。

　　_blank class=infotextkey>get=_blank class=infotextkey>北京_blank class=infotextkey>get=_blank class=infotextkey>银行

　　1、一_blank class=infotextkey>get=_blank class=infotextkey>年内_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不能提前还款，一_blank class=infotextkey>get=_blank class=infotextkey>年后提前_blank class=infotextkey>get=_blank class=infotextkey>一个月_blank class=infotextkey>get=_blank class=infotextkey>申请无罚息;

　　_blank class=infotextkey>get=_blank class=infotextkey>2、约_blank class=infotextkey>get=_blank class=infotextkey>10个_blank class=infotextkey>get=_blank class=infotextkey>工作日后拿_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产证_blank class=infotextkey>注销_blank class=infotextkey>get=_blank class=infotextkey>过户。

　　光_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>get=_blank class=infotextkey>银行

　　1、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>_blank class=infotextkey>不满一年罚_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>3个月，满一年_blank class=infotextkey>_blank class=infotextkey>不满_blank class=infotextkey>_blank class=infotextkey>3年罚1个月，满_blank class=infotextkey>get=_blank class=infotextkey>三年_blank class=infotextkey>不罚。

　　_blank class=infotextkey>get=_blank class=infotextkey>2、需提前_blank class=infotextkey>get=_blank class=infotextkey>一个月_blank class=infotextkey>get=_blank class=infotextkey>申请方_blank class=infotextkey>get=_blank class=infotextkey>可提前还款。约_blank class=infotextkey>get=_blank class=infotextkey>10个_blank class=infotextkey>get=_blank class=infotextkey>工作日后拿_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产证_blank class=infotextkey>注销_blank class=infotextkey>get=_blank class=infotextkey>过户。

　　华夏_blank class=infotextkey>get=_blank class=infotextkey>银行

　　1、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>_blank class=infotextkey>不满二年罚_blank class=infotextkey>get=_blank class=infotextkey>2个月，二_blank class=infotextkey>get=_blank class=infotextkey>年后_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不到_blank class=infotextkey>get=_blank class=infotextkey>三年罚_blank class=infotextkey>get=_blank class=infotextkey>一个月，三_blank class=infotextkey>get=_blank class=infotextkey>年后_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不用罚息;

　　_blank class=infotextkey>get=_blank class=infotextkey>2、需提前_blank class=infotextkey>get=_blank class=infotextkey>一个月_blank class=infotextkey>get=_blank class=infotextkey>申请方_blank class=infotextkey>get=_blank class=infotextkey>可提前还款，约_blank class=infotextkey>get=_blank class=infotextkey>10个_blank class=infotextkey>get=_blank class=infotextkey>工作日后拿_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产证_blank class=infotextkey>注销_blank class=infotextkey>get=_blank class=infotextkey>过户。

　　浦发_blank class=infotextkey>get=_blank class=infotextkey>银行

　　1、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款满一年提前_blank class=infotextkey>get=_blank class=infotextkey>一个月_blank class=infotextkey>get=_blank class=infotextkey>申请，预存_blank class=infotextkey>get=_blank class=infotextkey>一个月，无罚息;

　　_blank class=infotextkey>get=_blank class=infotextkey>2、_blank class=infotextkey>_blank class=infotextkey>不满一年罚_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同_blank class=infotextkey>get=_blank class=infotextkey>金额1%，需提前_blank class=infotextkey>get=_blank class=infotextkey>一个月_blank class=infotextkey>get=_blank class=infotextkey>申请方_blank class=infotextkey>get=_blank class=infotextkey>可提前还款。约_blank class=infotextkey>get=_blank class=infotextkey>10个_blank class=infotextkey>get=_blank class=infotextkey>工作日后拿_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产证_blank class=infotextkey>注销_blank class=infotextkey>get=_blank class=infotextkey>过户。

　　_blank class=infotextkey>get=_blank class=infotextkey>平安_blank class=infotextkey>get=_blank class=infotextkey>银行

　　1、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>不足一_blank class=infotextkey>年的_blank class=infotextkey>收取欠款_blank class=infotextkey>get=_blank class=infotextkey>金额1%罚息，需提前_blank class=infotextkey>get=_blank class=infotextkey>一个月_blank class=infotextkey>get=_blank class=infotextkey>申请方_blank class=infotextkey>get=_blank class=infotextkey>可提前还款;

　　_blank class=infotextkey>get=_blank class=infotextkey>2、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款满一年_blank class=infotextkey>不足二_blank class=infotextkey>年的_blank class=infotextkey>收取欠款_blank class=infotextkey>get=_blank class=infotextkey>金额0.5%罚息，约_blank class=infotextkey>get=_blank class=infotextkey>10个_blank class=infotextkey>get=_blank class=infotextkey>工作日后拿_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产证_blank class=infotextkey>注销_blank class=infotextkey>get=_blank class=infotextkey>过户;

　　_blank class=infotextkey>3、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款满二年以_blank class=infotextkey>get=_blank class=infotextkey>上_blank class=infotextkey>收取_blank class=infotextkey>get=_blank class=infotextkey>一个月罚息。

　　注：_blank class=infotextkey>get=_blank class=infotextkey>由于各_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>get=_blank class=infotextkey>银行的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>政策_blank class=infotextkey>get=_blank class=infotextkey>随_blank class=infotextkey>时_blank class=infotextkey>get=_blank class=infotextkey>调整，以_blank class=infotextkey>get=_blank class=infotextkey>上_blank class=infotextkey>get=_blank class=infotextkey>数据仅供参考，_blank class=infotextkey>get=_blank class=infotextkey>具_blank class=infotextkey>get=_blank class=infotextkey>体_blank class=infotextkey>get=_blank class=infotextkey>情况以实际执_blank class=infotextkey>get=_blank class=infotextkey>行为准。

　　_blank class=infotextkey>get=_blank class=infotextkey>2、若是组_blank class=infotextkey>合_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>方式，建议先还_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业_blank class=infotextkey>get=_blank class=infotextkey>贷款：

　　_blank class=infotextkey>如果_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>时，_blank class=infotextkey>get=_blank class=infotextkey>清溪，_blank class=infotextkey>get=_blank class=infotextkey>你_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>选择的是“_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业_blank class=infotextkey>get=_blank class=infotextkey>贷款+_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>贷款“组_blank class=infotextkey>合_blank class=infotextkey>get=_blank class=infotextkey>贷款的_blank class=infotextkey>get=_blank class=infotextkey>方式，建议先还_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业_blank class=infotextkey>get=_blank class=infotextkey>贷款，因为相比_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>贷款，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业_blank class=infotextkey>get=_blank class=infotextkey>贷款的利息_blank class=infotextkey>get=_blank class=infotextkey>比较_blank class=infotextkey>get=_blank class=infotextkey>高，_blank class=infotextkey>如果先将_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业_blank class=infotextkey>get=_blank class=infotextkey>贷款的那_blank class=infotextkey>部分还_blank class=infotextkey>get=_blank class=infotextkey>清了，_blank class=infotextkey>get=_blank class=infotextkey>那么对于个_blank class=infotextkey>get=_blank class=infotextkey>人和_blank class=infotextkey>get=_blank class=infotextkey>家庭来说，_blank class=infotextkey>get=_blank class=infotextkey>每月的_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>压力必_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>会减轻很_blank class=infotextkey>get=_blank class=infotextkey>多，而且利息也_blank class=infotextkey>get=_blank class=infotextkey>同_blank class=infotextkey>时节省_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>少。

　　提前还贷所需_blank class=infotextkey>材料

　　_blank class=infotextkey>get=_blank class=infotextkey>一般_blank class=infotextkey>办理提前还款，_blank class=infotextkey>get=_blank class=infotextkey>需要先向_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>预约，_blank class=infotextkey>get=_blank class=infotextkey>具_blank class=infotextkey>get=_blank class=infotextkey>体_blank class=infotextkey>get=_blank class=infotextkey>可以咨询_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>银行相关_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>政策。提前还贷的所需_blank class=infotextkey>材料：

　　一、_blank class=infotextkey>get=_blank class=infotextkey>身份证_blank class=infotextkey>原件及复印件;

　　二、_blank class=infotextkey>get=_blank class=infotextkey>具备_blank class=infotextkey>get=_blank class=infotextkey>贷款账号的_blank class=infotextkey>get=_blank class=infotextkey>证明_blank class=infotextkey>材料（包括但_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>限于：借款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同、对账_blank class=infotextkey>单、还款_blank class=infotextkey>计划_blank class=infotextkey>单等）;

　　三、提交《提前还款_blank class=infotextkey>get=_blank class=infotextkey>申请表》、还款卡，并在柜台存入提前偿还的款项即可。

　　_blank class=infotextkey>get=_blank class=infotextkey>具_blank class=infotextkey>get=_blank class=infotextkey>体请电话咨询相关_blank class=infotextkey>get=_blank class=infotextkey>银行。

　　_blank class=infotextkey>get=_blank class=infotextkey>小编结语：

　　就_blank class=infotextkey>get=_blank class=infotextkey>目前的_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>环境来说，_blank class=infotextkey>get=_blank class=infotextkey>人民币_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不断_blank class=infotextkey>get=_blank class=infotextkey>贬值，.fan_blank class=infotextkey>g558.com/nanshan/ tar_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>南山，_blank class=infotextkey>如果_blank class=infotextkey>_blank class=infotextkey>不是为了作抵押或者更_blank class=infotextkey>get=_blank class=infotextkey>好的_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房，是_blank class=infotextkey>不建议提前还贷的。_blank class=infotextkey>如果手_blank class=infotextkey>get=_blank class=infotextkey>头_blank class=infotextkey>get=_blank class=infotextkey>有闲钱，_blank class=infotextkey>get=_blank class=infotextkey>可以尝试_blank class=infotextkey>get=_blank class=infotextkey>多种_blank class=infotextkey>渠道_blank class=infotextkey>get=_blank class=infotextkey>进行_blank class=infotextkey>get=_blank class=infotextkey>投资，产_blank class=infotextkey>get=_blank class=infotextkey>生的_blank class=infotextkey>get=_blank class=infotextkey>理财_blank class=infotextkey>收益率_blank class=infotextkey>get=_blank class=infotextkey>大约是_blank class=infotextkey>get=_blank class=infotextkey>高于提前还_blank class=infotextkey>get=_blank class=infotextkey>房贷的。