银行提前还贷业务规定

尊敬的先生/女士：您好。感谢您的来信！根据我行总行提前还贷业务规定：1、借款人要求提前还款的，应在还款日前至少提前十五个银行工作日向贷款人提出申请，经贷款人同意后，应另行签订书面协议。协议生效且提前还款资金到账后，方可办理还款手续。2、贷款期限在一年以内（含一年）的，原则上不得办理部分提前还款手续。3、部分提前还款归还本金金额最低不低于每期还款额的6倍，最高不超过原贷款本金金额的35%。4、提前还款日不能为利率调整日。5、提前还款时若该笔贷款存在逾期贷款或欠息则应先归还逾期贷款或欠息。6、部分提前还款时，如正好是借款人计划还款日，应先归还本期本息，再办理提前还款手续。7、部分提前还款方式有两种，一是按金额还款，还款后剩余还款期次不变，剩余本金在剩余还款期次摊薄计算；一是按期次还款，还款后剩余还款期次相应缩减。8、借款人经贷款人同意后提前归还部分本金且缩短剩余还款期次达到新的利率档次的，原则上剩余的贷款本金仍适用原贷款期限对应的人民银行相应期限档次贷款的利率，但根据当地情况及客户情况也可采用新的利率档次计息，贷款期限的计算为贷款发放日到新约定的贷款到期日；利率浮动水平和利率调整方式不变。9、对提前归还的贷款本金，贷款人不退还已计收的利息，并按借款合同约定的利率向借款人收取上一还款日至提前还款日期间的利息。10、提前还款补偿金的收取。（1）、部分提前还款补偿金的收取。每年可免费进行部分提前还款一次，从第二次开始，收取部分提前还款补偿金，收取金额为当次提前还款本金金额的1%。（2）、全部提前还款补偿金的收取。对下列全部提前还款情况收取当次提前还款本金金额的1%：1）贷款期限2年（含）以上5年（含）以下，1年内全部提前还款。2）贷款期限5年以上，3年内全部提前还款。11、贷款人应在上述规定的范围内，与借款人在借款合同中明确约定提前还款的具体条款，在借款人提前还款时，双方按照合同约定条款执行。很抱歉，由于各分行贷款政策规定有所不同，海南省分行当地的提前还款具体流程，建议您在工作日时间直接联系您的贷款行做进一步的确认，给您造成不便敬请谅解。详细信息可致电客服热线95559咨询。交通银行客户服务中心2011-11-30

个人贷款等额本息还款明细期数还款日期应还本金应还利息月还款额贷款余额120061222423.54359.1782.6469576.46220070122425.71356.93782.6469150.75320070222427.9354.74782.6468722.85420070322430.09352.55782.6468292.76520070422432.3350.34782.6467860.47620070522434.51348.12782.6467425.95720070622436.74345.9782.6466989.21820070722438.98343.65782.6466550.23920070822441.24341.4782.6466108.991020070922443.5339.14782.6465665.491120071022445.77336.86782.6465219.721220071122448.06334.58782.6464771.651320071222450.36332.28782.6464321.291420080122452.67329.97782.6463868.621520080222454.99327.65782.6463413.631620080322457.33325.31782.6462956.31720080422459.67322.97782.6462496.631820080522462.03320.61782.6462034.61920080622464.4318.24782.6461570.22020080722466.78315.86782.6461103.422120080822469.18313.46782.6460634.242220080922471.58311.05782.6460162.652320081022474.0308.63782.6459688.652420081122476.44306.2782.6459212.212520081222478.88303.76782.6458733.332620090122481.34301.3782.6458252.02720090222483.81298.83782.6457768.192820090322486.29296.35782.6457281.92920090422488.78293.86782.6456793.123020090522491.29291.35782.6456301.833120090622493.81288.83782.6455808.023220090722496.34286.3782.6455311.683320090822498.89283.75782.6454812.793420090922501.45281.19782.6454311.343520091022504.02278.62782.6453807.323620091122506.61276.03782.6453300.713720091222509.21273.43782.6452791.53820100122511.82270.82782.6452279.69

3920100222514.44268.19782.6451765.244020100322517.08265.56782.6451248.164120100422519.74262.9782.6450728.424220100522522.4260.24782.6450206.024320100622525.08257.56782.6449680.944420100722527.78254.86782.6449153.164520100822530.48252.16782.6448622.684620100922533.2249.43782.6448089.484720101022535.94246.7782.6447553.544820101122538.69243.95782.6447014.854920101222541.45241.19782.6446473.45020110122544.23238.41782.6445929.175120110222547.02235.62782.6445382.145220110322549.83232.81782.6444832.325320110422552.65229.99782.6444279.675420110522555.48227.15782.6443724.185520110622558.33224.31782.6443165.855620110722561.2221.44782.6442604.655720110822564.08218.56782.6442040.585820110922566.97215.67782.6441473.65920111022569.88212.76782.6440903.736020111122572.8209.84782.6440330.926120111222575.74206.9782.6439755.186220120122578.69203.94782.6439176.496320120222581.66200.98782.6438594.826420120322584.65197.99782.6438010.186520120422587.65194.99782.6437422.536620120522590.66191.98782.6436831.876720120622593.69188.95782.6436238.186820120722596.74185.9782.6435641.446920120822599.8182.84782.6435041.647020120922602.87179.76782.6434438.777120121022605.97176.67782.6433832.87220121122609.08173.56782.6433223.727320121222612.2170.44782.6432611.527420130122615.34167.3782.6431996.187520130222618.5164.14782.6431377.687620130322621.67160.97782.6430756.017720130422624.86157.78782.6430131.157820130522628.07154.57782.6429503.097920130622631.29151.35782.6428871.8

8020130722634.53148.11782.6428237.278120130822637.78144.86782.6427599.498220130922641.05141.59782.6426958.448320131022644.34138.3782.6426314.18420131122647.65134.99782.6425666.458520131222650.97131.67782.6425015.488620140122654.31128.33782.6424361.178720140222657.67124.97782.6423703.58820140322661.04121.6782.6423042.478920140422664.43118.21782.6422378.039020140522667.84114.8782.6421710.29120140622671.27111.37782.6421038.939220140722674.71107.93782.6420364.229320140822678.17104.47782.6419686.059420140922681.65100.99782.6419004.49520141022685.1597.49782.6418319.269620141122688.6693.98782.6417630.599720141222692.1990.44782.6416938.49820150122695.7486.89782.6416242.669920150222699.3183.32782.6415543.3410020150322702.979.74782.6414840.4410120150422706.5176.13782.6414133.9310220150522710.1372.51782.6413423.810320150622713.7768.86782.6412710.0310420150722717.4465.2782.6411992.5910520150822721.1261.52782.6411271.4810620150922724.8257.82782.6410546.6610720151022728.5354.1782.649818.1310820151122732.2750.37782.649085.8510920151222736.0346.61782.648349.8311020160122739.842.83782.647610.0211120160222743.639.04782.646866.4211220160322747.4135.22782.646119.0111320160422751.2531.39782.645367.7611420160522755.127.54782.644612.6611520160622758.9823.66782.643853.6811620160722762.8719.77782.643090.8111720160822766.7815.86782.642324.0311820160922770.7211.92782.641553.3111920161022774.677.97782.64778.6412020161122778.643.99782.640.0总计：700002391693916

房产证满5年的还交营业税吗？买方：地税契税：应缴纳4%契税（个人住房90平米以下。在户口所在地以家庭为单位开具首次购房证明减免后缴纳1%,个人住房90-139.9平米在户口所在地以家庭为单位开具首次购房证明减免后缴纳2%，140平米以上不在减免范围，全额征收）房管局：每平米3元登记费，80元工本费