array(3) { ["data"] => array(20) { [0] => array(11) { ["tagname"] => string(21) "提前还贷手续费" ["inlink"] => int(0) ["addtime"] => string(10) "1598923473" ["tagid"] => int(866160) ["id"] => string(6) "866160" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503940208820254) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/866160" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/866160" } [1] => array(11) { ["tagname"] => string(24) "提前还贷的手续费" ["inlink"] => int(0) ["addtime"] => string(10) "1598923473" ["tagid"] => int(866124) ["id"] => string(6) "866124" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503940207771680) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/866124" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/866124" } [2] => array(11) { ["tagname"] => string(21) "贷款要手续费吗" ["inlink"] => int(0) ["addtime"] => string(10) "1598923399" ["tagid"] => 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["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/486938" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/486938" } [5] => array(11) { ["tagname"] => string(18) "贷款要手续费" ["inlink"] => int(0) ["addtime"] => string(10) "1598923399" ["tagid"] => int(859497) ["id"] => string(6) "859497" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503940023222299) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/859497" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/859497" } [6] => array(11) { ["tagname"] => string(33) "房贷提前还贷要违约金吗" ["inlink"] => int(0) ["addtime"] => string(10) "1599444624" ["tagid"] => int(1163701) ["id"] => string(7) "1163701" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503949806436383) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1163701" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1163701" } [7] => array(11) { ["tagname"] => string(24) "银行贷款要手续费" ["inlink"] => int(0) ["addtime"] => string(10) "1598924352" ["tagid"] => int(1016144) ["id"] => string(7) "1016144" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503944498544651) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1016144" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1016144" } [8] => array(11) { ["tagname"] => string(18) "买房手续费用" ["inlink"] => int(0) ["addtime"] => string(10) "1598841681" ["tagid"] => int(762865) ["id"] => string(6) "762865" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503936294486046) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/762865" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/762865" } [9] => array(11) { ["tagname"] => string(18) "卖房手续费用" ["inlink"] => int(0) ["addtime"] => string(10) "1598924269" ["tagid"] => int(1004870) ["id"] => string(7) "1004870" ["depart"] => string(1) 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"//m.sheji456.com/ask/tlist/1142132" } [19] => array(11) { ["tagname"] => string(27) "房子提前还贷合算吗" ["inlink"] => int(0) ["addtime"] => string(10) "1599444624" ["tagid"] => int(1142176) ["id"] => string(7) "1142176" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503949143736334) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1142176" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1142176" } } ["counts"] => int(366155) ["pagecount"] => float(18308) }

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提前还贷费用要手续费吗？

提前还贷费用要手续费吗？

浏览：175次 | 提问时间： 07-29 05:59

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5个答案

余生不变 07-29 06:00

大部分股份制银行都表示不收手续费。国有大行工、农、中、建、交里，交行提前还款不收手续费，而工行需要收2~3个月的利息作为手续费，其他银行则需收1个月利息。其中农行在贷款三年内提前还款的收一个月利息作为手续费，三年后则不收手续费。

一页纸鸢 07-29 06:08

不要，目前最常用的两种还款方式为等额本息还款法和等额本金还款法。等额本息还款法，即借款人每月以相等的金额偿还贷款本金和利息。这种方式在偿还初期的利息支出最多，本金还得相对较小，以后随着每月利息支出逐步减少，归还的本金就逐步增多。等额本金还款法，即借款人每月以相等的额度偿还贷款本金，而利息随着本金逐月递减，每月还款额亦逐月递减。在贷款时间相同的条件下，等额本息还款法所要支付的利息高于等额本金还款法。但是在提前还款的情况下，等额本金不一定合适，因为等额本金提前还款后月还款本金不变，造成月还款额下降，还款年限延长，利息反而升高，因此，如打算提前还款，要根据提前还款额计算对比哪种贷款方式更合适。

带我闯 07-29 06:16

国有大行工、农、中、建、交里，交行提前还款不收手续费，而工行需要收2~3个月的利息作为手续费，其他银行则需收1个月利息。其中农行在贷款三年内提前还款的收一个月利息作为手续费，三年后则不收手续费。大部分股份制银行都表示不收手续费。而浦发银行则表示若提前两年还款需收取还款金额3%的手续费，两年后则不收手续费。外资银行一般是根据已经还款年限收取差异收费。如花旗银行，一年后提前还款需收取还款金额2%的收费，两年后收费降至1%，三年后则不收手续费;汇丰银行三年后提前还款不收手续费，两年后提前还款至少收取2万元的手续费，一年后提前还款至少收取3万元手续费。

梦里相遇你^ 07-29 06:25

现在银行一般都会收取5%的提前还贷手续费，也称违约金，因为你房贷提前还款，导致银行少收利息了。所以银行会收你手续费的

我的心像丟了一樣‰ 07-29 06:33

你好，可以提前还贷，不过起始时间是还贷一年以上才可以，不产生其他费用。但是一年一般不允许超过2次，必须提前一个月跟银行申请，再就是每次提前还贷的数额有限制，一般是五万。各银行不同，你最好带着贷款协议直接去你贷款银行咨询一下

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