Banks threaten customers with liquidated damages

The report (reporter Ms. Li) in advance repayment of liquidated damages, depending on whether the mortgage customers still have real estate mortgage in the bank, and maintain the credit relationship.　　Buyers question: The bank's move is a bit of a customer. 2008, Jiang Tao to the youth Road a joint-stock bank loan of 160,000 yuan, in the Lake Green Mei Lu community to buy a second-hand housing.　　Recently, because the plan to room, Jiang Tao to pay off the remaining 140,000 yuan after the house for sale, and, behold, the application in advance repayment was told to pay the loan amount of 1% liquidated damages. When looking for a bank loan, the loan contract stated that prepayment must be paid 1% liquidated damages. Jiang Tao told reporters, the mortgage manager later for him "relieved", said that a year after the early repayment of the payment of the penalty and the handling fee, and any fees, did not think now but back.　　Jiang Tao Calculate, if according to bank requirements, their early repayment to pay 1600 yuan liquidated damages, almost equivalent to two months of mortgage interest.　　In this respect, the Account manager who accepted the loan business explained, customers in advance repayment, if the property is still mortgaged to the bank, continue to maintain the credit relationship, in the future can also be at any time through the bank to obtain loans, can be free to deal with the prepayment; "I'm going to sell the house now and it's impossible and I have no right to continue to mortgage the property to the bank, so I can't keep the credit relationship and no longer be a bank lender," he said.　　"Jiang Tao Some wronged to say, the bank if therefore must charge the prepayment liquidated damages, how many has the suspicion which the customer is constrained."　　"Reporter investigation" reporter yesterday in BOC, ABC, People's Livelihood, Everbright, Societe Generale, such as a number of bank lending departments to understand that the early repayment of many need to make an appointment, but there is no payment of liquidated damages phenomenon. ABC Province Branch business department related to a loan person said, the mortgage customer advance repayment need one months advance booking, but does not collect the liquidated damages; the head of Retail credit Department of Industrial Bank Wuhan Branch also said that advance payment can be made 10 days ahead of time, without paying any fees; Everbright Bank Wuhan branch of the lender said　　In advance, only the annual repayment times and the minimum amount of repayment limit, will not be due to customers in full early repayment after the cancellation of mortgage and credit relationship, and to customers to collect liquidated damages. "lawyer said" for the bank by charging prepayment liquidated damages "to retain" customers, Hubei is Drake law firm director Ding Baiyang Lawyers believe that the bank move is indeed through additional terms to the suspicion of the customer. But he also said that because the bank and the customer signed the loan contract has stated that the prepayment must pay 1% liquidated damages, and the client manager's verbal commitment does not have the legal effect. Therefore, the customer still needs to pay liquidated damages as stipulated in the contract.