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贷款通常分为按揭贷款和截止时期前任意时候全部还清两种,而按揭贷款把较大的金额分担到一个很长的时期内让负债人分月偿还,可以减轻负债人的还款负担,是一个很基本和方便的金融运作机制。然而,现实情况总是复杂多变的,由于各种原因,负债人可能需要提前取消自己的贷款,所以就牵涉到在按揭贷款的情况下负债人想要提前还贷的问题。这个问题最近在一些地区引起了不小的争议。本文就《合同法》的视角来分析提前还贷的合理性。
Loans are usually classified as mortgage loans and all are paid off at any time before the deadline, while mortgage loans share a relatively large amount for a long period of time so that the debtors can repay their loans monthly to reduce the repayment burden on the debtors. Is a very basic and convenient financial operation mechanism. However, the reality is always complicated and volatile. For various reasons, the debtor may need to cancel his loan ahead of time, thus involving the debtor’s desire to repay the loan early in the case of a mortgage loan. This issue has caused some controversy recently in some areas. This article analyzes the rationality of repayment ahead of time from the perspective of “Contract Law”.