title: “CNCB Offline Mortgage Prepayment” tags: [] slug: ‘6450633’ date: 2025-03-07 20:11:24

I’ve always used CNCB’s app to book mortgage prepayments. The rule there is: no pending prepayment and a 30‑day advance reservation. I saw talk that offline prepayment might bypass the 30‑day wait, so I tried it — and it worked. Here’s what I did.

First try: ask the loan manager about offline prepayment

The manager said offline also requires 30 days — no early prepayment.

File a complaint via 12378

Call 12378 to file a complaint. CNCB will contact you. Clearly state your request: offline prepayment without waiting 30 days.

Process for offline prepayment

1. Go to the designated branch and take a number.
   • Bring your ID card.
   • Must be a business day.
2. At the counter, state your request. If they insist on a 30‑day reservation, say you’ve already filed a 12378 complaint and are dissatisfied. They will provide an application form.
3. Fill out the form; staff will submit it for manager approval.
   • The prepayment amount only needs to be greater than your monthly payment; it does not need to be in ten‑thousand increments.
4. After approval, deduction can happen the same day. The app will show a new prepayment request as “processing”; wait for the deduction.
   • I hit a snag: Friday after 4pm I was told “approved”, but deduction didn’t happen until Monday. The explanation was vague — likely someone forgot to process. Annoying, but the extra interest was small, so I let it go.

Final Thoughts

Regardless of others’ views on prepayment, I simply dislike owing money and paying interest. If you can afford it, keep prepaying. After two years, my bank loan is almost cleared; I’m down to about a hundred yuan per month — no pressure.