用EPF来提早还清房屋贷款，会被罚款吗？

我是小叮当

各位大大，小弟现有银行（CIMB)房屋贷款，根据合约是三年后才可以还清所有贷款，若提早还清是会被罚款的，但我听朋友说若用EPF来一次过缴清余款的话就不会被罚款，这是真的吗？我读过我的合约，里面并没有提及，希望各位大大可以指点一下。。。谢谢

callykhoo

回复 1# 我是小叮当


    是会被罚的，如果你在期限内redeem it. But, check back your contract or ask your banker. Certain homeloan package, you can offset all your outstanding, and it's can minus your daily principal interest. Means, banker wouldn't charge you any interest rate once you fully offset your outstanding. But, not redeem it within the penalty year.
If you planned to sale it and can get back the higher price than the Early Termination Penalty which banker fine you, so...... go ahead.

青牛

銀行，是唯利是圖的，提前還款，後三年的利息還是要給的。