提前还贷要交违约金，这是为什么？
<p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><span style="font-weight: 600;">一、为什么提前还款需要向银行缴纳违约金呢?</span></p><p style="margin-top: -0.8em; margin-bottom: -0.8em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><br></p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><span style="font-weight: 600;">其实很简单，银行利益受损，当然要收取违约金。就好比你把钱借给别人，别人每月还本金同时再还利息，没过几个月，人家就把钱还给你了，这不基本等于白给人家用几个月吗。银行也不是傻子，一般银行规定1年到3年之后提前还款不收取违约金，毕竟第一年是银行利息最多的时候，银行用违约金的方式阻止借款人提前还款，从而更多的收取利息。一旦你想提前还款，让银行挣不够钱，自然会想要用另一种方式迂回的赚回来，即违约金。</span></p><p style="margin-top: -0.8em; margin-bottom: -0.8em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><br></p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><span style="font-weight: 600;">二、提前还清贷款违约金一般是多少？</span></p><p style="margin-top: -0.8em; margin-bottom: -0.8em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><br></p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><span style="font-weight: 600;">大部分银行一年之后提前还款是不收违约金的，一年之内提前还款违约金1%-5%不等，具体多少要以你和银行签的贷款合同有关，在你买房子的时候上面会有这款条项，上面会写清楚具体的提前还款的违约金额。</span></p><p style="margin-top: -0.8em; margin-bottom: -0.8em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><br></p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><span style="font-weight: 600;">三、各大银行提前还款违约金是多少？</span></p><figure style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><img src="https://pic4.zhimg.com/80/v2-84bb24ae1ab69b5effb505d2f9356b77_1440w.jpg" normal"="" width="712" style="display: block; max-width: 100%; margin-right: auto; margin-left: auto; cursor: zoom-in; background-color: transparent; animation: 0.5s ease-in 0s 1 normal none running fxRichTextFadeIn;"></figure><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><span style="font-weight: 600;">四、提前还款需要哪些流程？</span><br></p><p style="margin-top: -0.8em; margin-bottom: -0.8em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><br></p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><span style="font-weight: 600;">1、先查看贷款合同中有关提前还贷的要求，注意提前还贷是否须交一定的违约金</span></p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><span style="font-weight: 600;">2、向贷款银行电话咨询提前还贷的申请时间及较低还款额度等其他所需要准备的资料。</span></p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><span style="font-weight: 600;">3、按银行要求亲自到相关部门提出提交还款申请。</span></p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><span style="font-weight: 600;">4、借款人携相关证件到借款银行，办理<a href="https://www.zhihu.com/search?q=%E6%8F%90%E5%89%8D%E8%BF%98%E6%AC%BE&search_source=Entity&hybrid_search_source=Entity&hybrid_search_extra=%7B%22sourceType%22%3A%22article%22%2C%22sourceId%22%3A335295879%7D" target="_blank" style="color: rgb(0, 102, 255); cursor: pointer;">提前还款<svg width="8px" height="8px" viewBox="0 0 15 15"><path d="M10.89 9.477l3.06 3.059a1 1 0 0 1-1.414 1.414l-3.06-3.06a6 6 0 1 1 1.414-1.414zM6 10a4 4 0 1 0 0-8 4 4 0 0 0 0 8z" fill="currentColor"></path></svg></a>相关手续。</span></p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><span style="font-weight: 600;">5、提交《<a href="https://www.zhihu.com/search?q=%E6%8F%90%E5%89%8D%E8%BF%98%E6%AC%BE%E7%94%B3%E8%AF%B7%E8%A1%A8&search_source=Entity&hybrid_search_source=Entity&hybrid_search_extra=%7B%22sourceType%22%3A%22article%22%2C%22sourceId%22%3A335295879%7D" target="_blank" style="color: rgb(0, 102, 255); cursor: pointer;">提前还款申请表<svg width="8px" height="8px" viewBox="0 0 15 15"><path d="M10.89 9.477l3.06 3.059a1 1 0 0 1-1.414 1.414l-3.06-3.06a6 6 0 1 1 1.414-1.414zM6 10a4 4 0 1 0 0-8 4 4 0 0 0 0 8z" fill="currentColor"></path></svg></a>》并在柜台存入提前偿还的款项即可。</span></p><p style="margin-top: -0.8em; margin-bottom: -0.8em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><br></p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><span style="font-weight: 600;">五、贷款还清之后要做些什么？</span></p><p style="margin-top: -0.8em; margin-bottom: -0.8em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><br></p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><span style="font-weight: 600;">1、房贷还清后，需要办理<a href="https://www.zhihu.com/search?q=%E6%88%BF%E5%B1%8B%E6%8A%B5%E6%8A%BC%E6%9D%83&search_source=Entity&hybrid_search_source=Entity&hybrid_search_extra=%7B%22sourceType%22%3A%22article%22%2C%22sourceId%22%3A335295879%7D" target="_blank" style="color: rgb(0, 102, 255); cursor: pointer;">房屋抵押权<svg width="8px" height="8px" viewBox="0 0 15 15"><path d="M10.89 9.477l3.06 3.059a1 1 0 0 1-1.414 1.414l-3.06-3.06a6 6 0 1 1 1.414-1.414zM6 10a4 4 0 1 0 0-8 4 4 0 0 0 0 8z" fill="currentColor"></path></svg></a>注销手续和贷款结清证明的手续。此外，如果在办理借款时有买保险，还需要到保险公司办理退保手续。</span><br><span style="font-weight: 600;">2、房贷还清后，首先要在银行办理贷款结清证明，办完结清证明后就可以拿着去房管处和保险公司，来办理解押手续和退保的手续。</span></p><p style="margin-top: -0.8em; margin-bottom: -0.8em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><br></p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><span style="font-weight: 600;">六、那些人不用提前还款。</span></p><p style="margin-top: -0.8em; margin-bottom: -0.8em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><br></p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><span style="font-weight: 600;">1、<a href="https://www.zhihu.com/search?q=%E7%AD%89%E9%A2%9D%E6%9C%AC%E6%81%AF&search_source=Entity&hybrid_search_source=Entity&hybrid_search_extra=%7B%22sourceType%22%3A%22article%22%2C%22sourceId%22%3A335295879%7D" target="_blank" style="color: rgb(0, 102, 255); cursor: pointer;">等额本息<svg width="8px" height="8px" viewBox="0 0 15 15"><path d="M10.89 9.477l3.06 3.059a1 1 0 0 1-1.414 1.414l-3.06-3.06a6 6 0 1 1 1.414-1.414zM6 10a4 4 0 1 0 0-8 4 4 0 0 0 0 8z" fill="currentColor"></path></svg></a>还款期已过1/3的</span></p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><span style="font-weight: 600;"><a href="https://www.zhihu.com/search?q=%E7%AD%89%E9%A2%9D%E6%9C%AC%E9%87%91&search_source=Entity&hybrid_search_source=Entity&hybrid_search_extra=%7B%22sourceType%22%3A%22article%22%2C%22sourceId%22%3A335295879%7D" target="_blank" style="color: rgb(0, 102, 255); cursor: pointer;">等额本金<svg width="8px" height="8px" viewBox="0 0 15 15"><path d="M10.89 9.477l3.06 3.059a1 1 0 0 1-1.414 1.414l-3.06-3.06a6 6 0 1 1 1.414-1.414zM6 10a4 4 0 1 0 0-8 4 4 0 0 0 0 8z" fill="currentColor"></path></svg></a>还款越到后期，所剩的本金越少，所产生的利息也越少。如果你你已经还款超过1/3了，就说明近一半的利息已经还清，剩余的基本都是本金，提前还款并不划算。</span></p>
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