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夜雨聆风 > > 办公文件 > 我房贷是招商银行的,想提前还贷但是APP上一直约不到额度,怎么办?

我房贷是招商银行的,想提前还贷但是APP上一直约不到额度,怎么办?

当前时间： 2026-06-19 16:55:42 分类：办公文件 评论(0)
我房贷是招商银行的,想提前还贷但是APP上一直约不到额度,怎么办?

网友提问

我房贷是招商银行的，想提前还贷但是APP上一直约不到额度，怎么办？

小编回答

你这个问题我太熟了，好几个读者都跟我吐槽过，招行那个APP上面约提前还款真的难约，但不是没办法，第一你直接打客服转人工，就说我要投诉，说你们故意设置障碍不让客户提前还款，第二去网点柜台直接办，柜台一般比APP好使，第三银保监投诉电话12378，如果前两招都不管用你就打这个，打完之后三天内银行经理会主动给你打电话，相信我。现在银行都不愿意客户提前还，因为存量房贷是他们最稳的利润来源，所以能拖就拖，你得硬一点。

你那边是哪个银行？约了多久了？

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  3. 缓存信息 : 0 reads,0 writes
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  144. /yingpanguazai/ssd/ssd1/www/wwww.yeyulingfeng.com/runtime/temp/c935550e3e8a3a4c27dd94e439343fdf.php ( 31.50 KB )
  145. /yingpanguazai/ssd/ssd1/www/wwww.yeyulingfeng.com/vendor/topthink/think-trace/src/Html.php ( 4.42 KB )
  1. CONNECT:[ UseTime:0.000779s ] mysql:host=127.0.0.1;port=3306;dbname=wenku;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.001347s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.005152s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000659s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.001299s ]
  6. SELECT * FROM `set` [ RunTime:0.000607s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.001433s ]
  8. SELECT * FROM `article` WHERE `id` = 771914 LIMIT 1 [ RunTime:0.001936s ]
  9. UPDATE `article` SET `lasttime` = 1781953240 WHERE `id` = 771914 [ RunTime:0.012295s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.008402s ]
  11. SELECT * FROM `article` WHERE `id` < 771914 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.001210s ]
  12. SELECT * FROM `article` WHERE `id` > 771914 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.001219s ]
  13. SELECT * FROM `article` WHERE `id` < 771914 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.002223s ]
  14. SELECT * FROM `article` WHERE `id` < 771914 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.019528s ]
  15. SELECT * FROM `article` WHERE `id` < 771914 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.006016s ]
0.160127s