对银行收取按揭贷款买房人提前还贷违约金所持的理由进行驳斥，认为贷款人提前还贷的行为符合《合同法》关于借款合同的规定，也不违背国际上的通行作法；
The paper has a refutation to the reasons held by the banks that collect the penalties which are paid by the housing- consumers with the mortgage loans repaying loans ahead of time.
合同法第二百一十条自然人之间的借款合同，自贷款人提供借款时生效。
Article 210 a loan contract between natural persons takes effect from the time when the lender provides the loan.
合同法第二百一十条自然人之间的借款合同，自贷款人提供借款时生效。
Article 210 a loan contract between natural persons takes effect from the time when the lender provides the loan.
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