For every bank they have their 罰息 period, you must wait until the last date of the 罰息 period,t he other banks are the same.
you said:'差幾日交吉,諗住同佢地傾罰少d.點知無計傾,5萬就5萬,幾日都唔得..." If there are a few days remaining, you may ask the buyer to sign the contract a few days later, maybe offer $10,000-$20,000 discount to he, this is better than to pay $50,000 to 渣滓. You can consider this.
This bank is really rubbish! I received their letter saying that my current & saving account must have $10,000 daily balance. Otherwise, $100 service charge will be applied per month!!!
And they had already enclosed a form for me to terminate the accounts!