青岛提前还贷款是否要缴纳违约金

来源:青岛19站    所属频道:青岛19站信息港   发布时间:2011-01-13 10:43:15
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青岛十九站消息 今天一网民来电咨询关于青岛市提前还贷款是否要缴纳违约金的相关问题:我知道贷款是银行或其他金融机构按一定利率和必须归还等条件出借货币资金的一种信用活动形式。广义的贷款指贷款、贴现 、透支等出贷资金的总称。银行通过贷款的方式将所集中的货币和货币资金投放出去,可以满足社会扩大再生产对补充资金的需要,促进经济的发展;同时,银行也可以由此取得贷款利息收入,增加银行自身的积累。我想知道:我5月份用公积金在中行办理了房贷,有2个问题需要咨询:1、办理过程中中行给我开了一折一卡,还有个人网银,请问这些是否都是还贷款的必须品,我可以取消个人网银吗?我可以取消长城借记卡吗?也就是说,我只想保留还贷款的最基本的,是否存折就可以?2、如果我想提前还贷款,是否要缴纳违约金?

www.19zhan.com客户服务人员在接到你这个问题后,就你提出的问题特意咨询了岛城万事通后给予回复:1、在办理按揭贷款时,为了按时偿还银行银行贷款,需要借款人在贷款银行开立个人账户。目前您所开立的“一折一卡”账户就是为了每月的还款需要,该账户必须是结算账户才能进行贷款的扣划,如果只开立存折的话,将无法进行账户扣款.为您开通个人网银是为方便您的还款和减少银行排队为您带来的不便,该项业务目前是为您免费开通,建议您可以试用一段时间,如果您不需要的话,可以拨打我行客服电话取消。2、如果您是单纯的公积金贷款的话,提前还款时需要提前到公积金管理中心进行申请,公积金审批通过后,到贷款银行进行还款。目前,公积金贷款还款暂时不收取提前还款违约金。如果您是办理的组合贷款(公积金+商业贷款)的话,对商业贷款部分提前还款需要按照贷款合同约定来执行。

以上就是关于青岛的提前还贷款是否要缴纳违约金的相关问题的回复,希望这个朋友满意加喜欢了,以下是此问题的英文回复希望老外朋友们更加喜欢:
www.19zhan.com customer service personnel after receiving your this question, you proposed after the question has consulted the Daocheng know-it-alls, specially gives the reply: 1st, when handles the mortgage loan, to repay the bank bank loan on time, needs the borrower to open individual account in the Loan company. At present you draw up “as soon as folds a card” the account is for each month's repayments need, this account must be the clearance account can carry on the loan the buckle to delimit, if only draws up bankbook, will be unable to carry on the account to cut payment. Clears individual net silver for you are to facilitate your repayments and reduce bank lining up inconvenient which brings for you, this service is for at present your free clear, suggested that you may test period of time, if you do not need, may dial my traveler to take the telephone to cancel. 2nd, if you are pure common reserve fund loan, ahead of time when repayments needs to arrive ahead of time the common reserve fund administrative center carries on the application, the common reserve fund examination, to the Loan company carries on the repayments. At present, the common reserve fund loan repayments does not gather ahead of time the repayments penalty temporarily. If you are the combination loan which handles (common reserve fund + commercial presence), the repayments needs to defer to the loan contract agreement ahead of time to the commercial presence part to carry out.


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