After the online loan is paid off, the previous loan contract has automatically expired, and the lender does not need to do any additional processing.

At the same time, if the loan software is not commonly used, the lender can cancel the loan account, unbind the associated bank card, change the service password of the mobile phone number, etc. for safety and not to be disturbed by junk information. , so as to prevent the software from querying private information such as mobile phone call information in the background, and finally uninstall the loan software and cancel the credit in Alipay and other software.

Online lending, mbth is Internet lending, and p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.

From 2065438 to September 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Lending Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support the operating P2P online lending institutions to access the credit information system. Internet credit originated in Britain, and then developed to the United States, Germany and other countries. Its typical model is that online credit companies provide a platform for borrowers and borrowers to bid freely and reach a deal.

In the traditional P2P model, the online lending platform only provides services such as information exchange and information value appraisal that are conducive to the completion of transactions, and does not substantially participate in the interest chain of lending. There is a direct creditor-debtor relationship between borrowers and lenders, and the online lending platform maintains its operation by charging certain fees to borrowers and lenders. In China, because the citizen credit system is not standardized, it is difficult for the traditional P2P model to protect the interests of investors. Once overdue, investors will lose everything.

Therefore, in the continuous exploration and practice of P2P online lending, it is suggested that friends and relatives should be introduced into credit loans for joint guarantee, and mortgages or pledges should be introduced into other loans for counter-guarantee. At the same time, the enterprise loan project introduces a third-party financing guarantee company to audit and guarantee the project principal and interest, and requires that its guarantee scale should match the guarantor's guarantee amount, and the guarantor should also strengthen its own risk control management. Online lending, also known as P2P online lending. P2P is the abbreviation of English peer to peer, which means "person to person".

I want to ask if I need to cancel the online loan after it is paid off.

Generally, you can't cancel the account number and ID card information, but only unbind the relevant bank card. Just pay it off, as long as there is no serious overdue record, it will not affect normal life.

Online lending, mbth is Internet lending, and p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform.

It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.

From 2065438 to September 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Lending Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support the operating P2P online lending institutions to access the credit information system.

Extended data:

Loan agreement terms

Article 10 of the Supreme People's Court's Opinions on the Trial of Lending Cases by People's Courts: The loan relationship formed by one party by fraud, coercion or taking advantage of the danger of others in violation of its true meaning shall be deemed invalid.

Article 11 of the Supreme People's Court's Opinions on People's Courts Handling Lending Cases: Lenders know that borrowers borrow money for illegal activities, and their lending relationship is not protected.

Provisions on providing guarantee for loans

Article 198 of the Contract Law stipulates that when concluding a loan contract, the lender may require the borrower to provide a guarantee. The guarantee shall comply with the provisions of the Guarantee Law of People's Republic of China (PRC).

Article 13 of the Supreme People's Court's Opinions on People's Courts Handling Loan Cases: In the loan relationship, the person who only plays the role of contact and introduction does not assume the guarantee responsibility. If there is a real intention to guarantee the performance of the debt, it shall be recognized as a guarantor and bear the guarantee responsibility.

Article 2 1 1 of the Contract Law: "If there is no agreement or unclear agreement on the payment of interest in the loan contract between natural persons, it shall be deemed as non-payment. If the loan contract between natural persons stipulates the payment of interest, the loan interest rate shall not violate the relevant provisions of the state on limiting the loan interest rate. "

Article 6 of the Supreme People's Court's Opinions on People's Courts Handling Lending Cases: "The interest rate of private lending can be appropriately higher than that of banks, and the local people's courts can specifically grasp it according to the actual situation in the region, but the maximum interest rate shall not exceed four times (including interest rate) of similar loans of banks. Beyond this limit, the excess interest will not be protected. "

Chapter 23 "Intermediary Contract" of the Contract Law clearly stipulates that an intermediary can provide intermediary services concluded in a loan contract and collect corresponding remuneration from the principal according to law. Therefore, the existence of loan service institutions and the collection of service fees are in line with the law and protected by law.

Baidu encyclopedia-online loan

What should I do after the app loan is paid off?

After the app loan is paid off, you don't need to worry too much, because now that you have paid back the money, your agreement with this platform will be over, and the formal platform will not charge any late fees and handling fees. Of course, if you are still worried, I suggest you cancel this platform directly.

1. What should I do after the app loan is paid off?

Nowadays, young people like to handle loan business online, because people think that there are many such loan platforms, which also provide more young people with choices. And the processing speed is actually very fast. Many platforms promise to make money on the same day after the application is passed, and also meet everyone's basic needs.

However, many people are still worried that their failure to pay back the money will affect their lives and personal credit records, so everyone will pay back the money according to the prescribed time after borrowing the money, but some people are afraid that they will be charged some interest after paying back the money. There is no late interest on the formal platform. After all the money is settled by installment, if both parties have no doubt about the settlement amount, the loan contract may be terminated. After the contract is terminated, the loan platform has no right to charge overdue interest to the applicant.

Second, the specific introduction

So, you don't need to worry too much. You can apply again if necessary after paying off. Natural persons aged between 18 and 65; The actual age of the borrower and the loan application period should not exceed 70 years old; Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule; Good credit information, no bad records, and legal use of the loan.

If you are still worried, then you can also choose to directly cancel the account on this platform, so that you will not have any contact with this platform. In fact, it is very safe for you. In this process, you must not be deceived. If someone tells you to pay a certain amount of money, then the other person is a liar.

The mortgage on the mobile phone has been paid off. Do you still need to go to the bank to apply for a settlement certificate?

The mortgage on the mobile phone has been paid off, and you need to go to the bank to apply for a settlement certificate. According to the relevant public information, housing loan, also known as housing mortgage loan, is the proof that the buyer must submit to the loan bank by filling out the application form for housing mortgage loan and providing ID card, income certificate, housing sales contract, guarantee and other legal documents. After paying off, they need to bring valid documents to the bank for settlement.