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基本案情2009年11月,徐某以购买位于某市某小区某单元房屋为由,向该市商业银行某支行(下称“某支行”)申请个人购房贷款。2009年11月9日,某支行向徐某发放贷款80万元,贷款期限30年,贷款利率为七折优惠利率。此后,贷款一直处于正常状态。2010年6月10日,第三人张某填写了《个人贷款提前还款申请审批表》,并签署了本人姓名、代签徐某姓名,为徐某名下贷款办理提前还款申请。2010年7月8日,张某办理了全额提前还款手续,一次性还款79万余元。2010年8月,徐某以某
Basic case In 2009 November, Xu to buy a unit located in a city area housing as an excuse to a branch of the city commercial bank (hereinafter referred to as “a branch”) apply for individual purchase loans. On November 9, 2009, a branch made a loan of 800,000 yuan to Xu and the term of the loan was 30 years. The loan interest rate was a 30% discount rate. Since then, the loan has been in normal condition. June 10, 2010, Zhang third, fill out the “personal loan prepayment approval form” and signed my name, Xu signed on behalf of the name for the loan under the name of Xu for early repayment applications. July 8, 2010, Zhang handled a full early repayment procedures, one-time repayment of 79 million yuan. August 2010, Xu to a