You can't. After the loan is approved, the user needs to repay the loan according to the contract even if he does not use the borrowed funds. If they don't want it, they can only pay off their debts in advance and can't cancel the loan directly. Before granting the loan, or when the loan contract is not signed, the user can try to apply for canceling the loan. Whether the cancellation is successful or not shall be subject to the reply of the lending institution.

How long will it take to repay the mortgage after it is approved?

Usually in the following month. Banks usually send text messages to remind users of repayment before the repayment date, and users can pay attention to the news of the bank. If the user does not know the specific repayment date, he can also check the terms of the loan contract or call the bank customer service staff directly. Moreover, it is worth noting that if the loan is bound with a bank card and an automatic repayment agreement is signed, then the user does not need to repay manually, as long as the bank card for repayment has sufficient funds. Whenever payment is made, the banking system will automatically deduct the corresponding amount from the bank card on the payment date for repayment.