交通银行房贷提前还款流程 违约金怎么算

　　_blank class=infotextkey>get=_blank class=infotextkey>关于_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房相关的_blank class=infotextkey>get=_blank class=infotextkey>知识，_blank class=infotextkey>get=_blank class=infotextkey>我们已经讲了_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>下百遍了，_blank class=infotextkey>get=_blank class=infotextkey>通过_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>按揭_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房是很_blank class=infotextkey>get=_blank class=infotextkey>多_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>购买_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房的_blank class=infotextkey>get=_blank class=infotextkey>常用的_blank class=infotextkey>get=_blank class=infotextkey>方式和方法，所以就算_blank class=infotextkey>get=_blank class=infotextkey>多讲一点也是_blank class=infotextkey>不为过的。_blank class=infotextkey>get=_blank class=infotextkey>房贷提前还款，还的款是已经还本_blank class=infotextkey>get=_blank class=infotextkey>付息_blank class=infotextkey>get=_blank class=infotextkey>后的_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金和提前归还_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金后剩_blank class=infotextkey>get=_blank class=infotextkey>下_blank class=infotextkey>get=_blank class=infotextkey>重_blank class=infotextkey>get=_blank class=infotextkey>新计算的_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>今天就以_blank class=infotextkey>get=_blank class=infotextkey>交通_blank class=infotextkey>get=_blank class=infotextkey>银行为例，_blank class=infotextkey>get=_blank class=infotextkey>交通_blank class=infotextkey>get=_blank class=infotextkey>银行提前还_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>流程是_blank class=infotextkey>get=_blank class=infotextkey>怎么样的呢？_blank class=infotextkey>get=_blank class=infotextkey>下_blank class=infotextkey>面_blank class=infotextkey>get=_blank class=infotextkey>我们一_blank class=infotextkey>get=_blank class=infotextkey>起来看_blank class=infotextkey>get=_blank class=infotextkey>一_blank class=infotextkey>get=_blank class=infotextkey>下。

　　_blank class=infotextkey>get=_blank class=infotextkey>交通_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>房贷提前还款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>流程：

　　首先要确_blank class=infotextkey>定提前还款的_blank class=infotextkey>get=_blank class=infotextkey>金额，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>选择是提前_blank class=infotextkey>get=_blank class=infotextkey>全_blank class=infotextkey>部还款_blank class=infotextkey>get=_blank class=infotextkey>还是_blank class=infotextkey>部分还款，_blank class=infotextkey>get=_blank class=infotextkey>然后将足够的_blank class=infotextkey>get=_blank class=infotextkey>金额存入还款账户内，_blank class=infotextkey>get=_blank class=infotextkey>这是想要提前还款的借款者绝对_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不能忘记的一_blank class=infotextkey>get=_blank class=infotextkey>件事情。其次，_blank class=infotextkey>get=_blank class=infotextkey>用户可在还款月的还款日前几日到交行填写提前还款_blank class=infotextkey>get=_blank class=infotextkey>申请表，_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>通过审批后_blank class=infotextkey>get=_blank class=infotextkey>要求去_blank class=infotextkey>get=_blank class=infotextkey>用户签字。若是提前_blank class=infotextkey>get=_blank class=infotextkey>全_blank class=infotextkey>部还款，提前还款_blank class=infotextkey>get=_blank class=infotextkey>手续_blank class=infotextkey>办理完后，提交还款凭证后还_blank class=infotextkey>get=_blank class=infotextkey>需要填写_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房屋抵押权_blank class=infotextkey>注销_blank class=infotextkey>get=_blank class=infotextkey>登记_blank class=infotextkey>get=_blank class=infotextkey>申请书。_blank class=infotextkey>get=_blank class=infotextkey>审核后_blank class=infotextkey>办理它项权证的出_blank class=infotextkey>get=_blank class=infotextkey>库、解冻_blank class=infotextkey>get=_blank class=infotextkey>手续。_blank class=infotextkey>最后，_blank class=infotextkey>get=_blank class=infotextkey>用户_blank class=infotextkey>get=_blank class=infotextkey>带着_blank class=infotextkey>get=_blank class=infotextkey>身份证、_blank class=infotextkey>get=_blank class=infotextkey>产权证、它项权证和抵押权_blank class=infotextkey>注销_blank class=infotextkey>get=_blank class=infotextkey>登记_blank class=infotextkey>get=_blank class=infotextkey>申请书，到_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产局_blank class=infotextkey>办理_blank class=infotextkey>注销和_blank class=infotextkey>get=_blank class=infotextkey>产权证解冻_blank class=infotextkey>get=_blank class=infotextkey>手续即可。

　　借款_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>如果要提前还_blank class=infotextkey>get=_blank class=infotextkey>房贷的话，_blank class=infotextkey>get=_blank class=infotextkey>一般要在电话或书_blank class=infotextkey>面_blank class=infotextkey>get=_blank class=infotextkey>申请后，.fan_blank class=infotextkey>g558.com/shiyan/ tar_blank class=infotextkey>get=_blank class=infotextkey>石岩，携带_blank class=infotextkey>get=_blank class=infotextkey>自己的_blank class=infotextkey>get=_blank class=infotextkey>身份证、借款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同到_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>办理审批_blank class=infotextkey>get=_blank class=infotextkey>手续。_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>人提前结_blank class=infotextkey>get=_blank class=infotextkey>清_blank class=infotextkey>get=_blank class=infotextkey>全_blank class=infotextkey>部尾款后，_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>会出具结_blank class=infotextkey>get=_blank class=infotextkey>清_blank class=infotextkey>get=_blank class=infotextkey>证明。除此以外，_blank class=infotextkey>get=_blank class=infotextkey>房贷提前还款勿忘_blank class=infotextkey>get=_blank class=infotextkey>退_blank class=infotextkey>get=_blank class=infotextkey>保及解抵押，_blank class=infotextkey>get=_blank class=infotextkey>这是_blank class=infotextkey>get=_blank class=infotextkey>比较_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>重要的。

　　_blank class=infotextkey>get=_blank class=infotextkey>交通_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>房贷提前还款_blank class=infotextkey>get=_blank class=infotextkey>违约_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>怎么算

　　_blank class=infotextkey>get=_blank class=infotextkey>交通_blank class=infotextkey>get=_blank class=infotextkey>银行提前还款_blank class=infotextkey>get=_blank class=infotextkey>违约_blank class=infotextkey>get=_blank class=infotextkey>金：

　　1._blank class=infotextkey>部分提前还款_blank class=infotextkey>get=_blank class=infotextkey>违约_blank class=infotextkey>get=_blank class=infotextkey>金。_blank class=infotextkey>get=_blank class=infotextkey>每_blank class=infotextkey>年的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>第一次提前还款是_blank class=infotextkey>免费的，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>小_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>房，从_blank class=infotextkey>第_blank class=infotextkey>get=_blank class=infotextkey>二次开始，_blank class=infotextkey>get=_blank class=infotextkey>违约_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>按照_blank class=infotextkey>部分提前还款_blank class=infotextkey>get=_blank class=infotextkey>金额的1%_blank class=infotextkey>收取。

　　_blank class=infotextkey>get=_blank class=infotextkey>2._blank class=infotextkey>get=_blank class=infotextkey>全_blank class=infotextkey>部提前还款_blank class=infotextkey>get=_blank class=infotextkey>违约_blank class=infotextkey>get=_blank class=infotextkey>金。_blank class=infotextkey>get=_blank class=infotextkey>有以_blank class=infotextkey>get=_blank class=infotextkey>下_blank class=infotextkey>get=_blank class=infotextkey>情况的_blank class=infotextkey>收取当次提前还款_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>金额的1%。

　　（1）_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>2年以_blank class=infotextkey>get=_blank class=infotextkey>上_blank class=infotextkey>get=_blank class=infotextkey>5年以_blank class=infotextkey>get=_blank class=infotextkey>下，1_blank class=infotextkey>get=_blank class=infotextkey>年内_blank class=infotextkey>get=_blank class=infotextkey>全_blank class=infotextkey>部提前还款的。

　　（_blank class=infotextkey>get=_blank class=infotextkey>2）_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>5年以_blank class=infotextkey>get=_blank class=infotextkey>上，_blank class=infotextkey>3_blank class=infotextkey>get=_blank class=infotextkey>年内_blank class=infotextkey>get=_blank class=infotextkey>全_blank class=infotextkey>部提前还款的。