尊敬的先生/女士：您好。感謝您的來信！根據(jù)我行總行提前還貸業(yè)務(wù)規(guī)定：1、借款人要求提前還款的，應(yīng)在還款日前至少提前十五個(gè)銀行工作日向貸款人提出申請(qǐng)，經(jīng)貸款人同意后，應(yīng)另行簽訂書面協(xié)議。協(xié)議生效且提前還款資金到賬后，方可辦理還款手續(xù)。2、貸款期限在一年以內(nèi)（含一年）的，原則上不得辦理部分提前還款手續(xù)。3、部分提前還款歸還本金金額最低不低于每期還款額的6倍，最高不超過原貸款本金金額的35%。4、提前還款日不能為利率調(diào)整日。5、提前還款時(shí)若該筆貸款存在逾期貸款或欠息則應(yīng)先歸還逾期貸款或欠息。6、部分提前還款時(shí)，如正好是借款人計(jì)劃還款日，應(yīng)先歸還本期本息，再辦理提前還款手續(xù)。7、部分提前還款方式有兩種，一是按金額還款，還款后剩余還款期次不變，剩余本金在剩余還款期次攤薄計(jì)算；一是按期次還款，還款后剩余還款期次相應(yīng)縮減。8、借款人經(jīng)貸款人同意后提前歸還部分本金且縮短剩余還款期次達(dá)到新的利率檔次的，原則上剩余的貸款本金仍適用原貸款期限對(duì)應(yīng)的人民銀行相應(yīng)期限檔次貸款的利率，但根據(jù)當(dāng)?shù)厍闆r及客戶情況也可采用新的利率檔次計(jì)息，貸款期限的計(jì)算為貸款發(fā)放日到新約定的貸款到期日；利率浮動(dòng)水平和利率調(diào)整方式不變。9、對(duì)提前歸還的貸款本金，貸款人不退還已計(jì)收的利息，并按借款合同約定的利率向借款人收取上一還款日至提前還款日期間的利息。10、提前還款補(bǔ)償金的收取。（1）、部分提前還款補(bǔ)償金的收取。每年可免費(fèi)進(jìn)行部分提前還款一次，從第二次開始，收取部分提前還款補(bǔ)償金，收取金額為當(dāng)次提前還款本金金額的1%。（2）、全部提前還款補(bǔ)償金的收取。對(duì)下列全部提前還款情況收取當(dāng)次提前還款本金金額的1%：1）貸款期限2年（含）以上5年（含）以下，1年內(nèi)全部提前還款。2）貸款期限5年以上，3年內(nèi)全部提前還款。11、貸款人應(yīng)在上述規(guī)定的范圍內(nèi)，與借款人在借款合同中明確約定提前還款的具體條款，在借款人提前還款時(shí)，雙方按照合同約定條款執(zhí)行。很抱歉，由于各分行貸款政策規(guī)定有所不同，海南省分行當(dāng)?shù)氐奶崆斑€款具體流程，建議您在工作日時(shí)間直接聯(lián)系您的貸款行做進(jìn)一步的確認(rèn)，給您造成不便敬請(qǐng)諒解。詳細(xì)信息可致電客服熱線95559咨詢。交通銀行客戶服務(wù)中心2011-11-30

個(gè)人貸款等額本息還款明細(xì)期數(shù)還款日期應(yīng)還本金應(yīng)還利息月還款額貸款余額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總計(jì)：700002391693916

房產(chǎn)證滿5年的還交營(yíng)業(yè)稅嗎？買方：地稅契稅：應(yīng)繳納4%契稅（個(gè)人住房90平米以下。在戶口所在地以家庭為單位開具首次購(gòu)房證明減免后繳納1%,個(gè)人住房90-139.9平米在戶口所在地以家庭為單位開具首次購(gòu)房證明減免后繳納2%，140平米以上不在減免范圍，全額征收）房管局：每平米3元登記費(fèi)，80元工本費(fèi)