There is a high probability that it cannot be terminated.

The loan in the loan cannot be terminated artificially, and the borrower can only wait for the result of the loan. Usually, the loan statement indicates that the loan has been approved. Usually just wait for the loan to arrive. However, some loans will be reviewed twice. If the second review fails, the loan will fail. Lenders hope to issue loans smoothly. Before the loan, it is best not to apply for a credit card frequently, or use a credit card to make a large overdraft. And maintain good credit and the ability to repay the principal and interest at any time.

Matters needing attention in buying a house with bank loan:

1. Do not use the provident fund before applying for a loan. If the borrower withdraws the balance of the provident fund before the loan pays the house price, the balance of the provident fund in your provident fund account will be zero, so your provident fund loan amount will be zero, which means that you will not apply for a provident fund loan.

2. Don't repay the loan in advance in the first year. According to the relevant provisions of provident fund loans, part of the prepayment should be made after one year of repayment, and the amount you return should exceed the repayment amount of six months.

If you have difficulty in repaying the loan, don't forget to look for the banks around you. Don't insist on it yourself when your solvency drops during the loan period and you have difficulty in repaying the loan. ICBC customers can apply to ICBC for extending the loan term. After investigation and verification by our bank, you have not defaulted on the loan principal and interest, and our bank will accept your application for extension.

4. Don't forget to inform the obligation of renting the house after the loan. When you rent the mortgaged house during the loan period, you must inform the lessee of the mortgage fact in writing.

Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the principal and interest of the loan, you can cancel the mortgage at the county real estate trading center where the real estate is located with the bank's loan settlement certificate and other real estate title certificates of the mortgaged property.

6. Don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract and loan note signed by the bank with you are all important legal documents. As the loan term can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs.

Can the bank recover the loan? Can I check personal credit information online?

Can the bank cancel the loan?

1, loan received

If the bank has lent money, after all, the loan assets have arrived, which is difficult to cancel. The loan contract has been fully established and the borrower must accept the loan. If the loan is not necessary, or you want to return the loan to the bank, you can only choose to repay the loan in advance.

However, it is illegal to repay the loan in advance, especially when the borrower's repayment time is less than one year, it is necessary to pay a certain contract penalty. Contract liquidated damages are generally calculated at 3% of the mortgage principal repaid in advance. Assuming that the borrower borrows more than 6,543,800 yuan, if he repays the mortgage loan in advance, he is likely to have to pay 30,000 yuan as contract penalty.

If the borrower is unwilling to pay liquidated damages and feels that the loan interest is too high to bear, he can also choose to use the loan assets for other purposes. Such as buying real estate, vehicles, etc. You can also buy some luxury brands with value-added significance, so that it is not illegal to misappropriate loan assets, but also earn some assets back.

2. The loan has been issued.

If the borrower is inquiring about the loan progress and finds that it shows "the loan has been postponed", it indicates that the bank has postponed the loan, which will generally arrive within 8 hours. In such a process, if the borrower wants to cancel the loan for some reason, he needs to contact the business manager or user as soon as possible to solve it, and there is still a chance to cancel the loan. However, it should be noted that it is also a violation, and it may be necessary to pay a certain contract penalty, which may even affect the personal credit information.

3. According to the contract approval, the loan has not been issued.

If the borrower has signed a loan contract with the bank, but has not yet released the loan, it is best to cancel the loan. If you want to cancel the loan, you can directly explain the reason to the business manager who applied for the loan business, and then the business manager will tell the bank to stop the approval process.

4. Just submitted the loan application for processing.

If the borrower only submits a loan application, but the loan review is still unfounded, then the borrower can terminate the loan application at any time. Just call the bank's customer service hotline and say that there is no need for a loan. It is inconvenient for the staff to help cancel the loan application. However, there are also unexpected situations. When the bank finds that the borrower has forged the running water and personal income certificate, in order to ensure the safety of funds, the bank can choose to immediately recover the loan that has been lent.

Can I check my personal credit report online?

Personal credit report can be inquired online, but it must be inquired through formal channels, including but not limited to the following contents:

1, personal credit information platform network

Enter the personal credit information platform network in the browser, search the webpage conclusion and enter the service platform. Click on it to start, press the reminder to register your account, and then log in. After finding the personal credit information products you must inquire about, select the authentication method to authenticate and submit the application.

2. Mobile banking APP query

There are also personal credit inquiry services on mobile banking apps such as ICBC, Bank of China, China Construction Bank, Bank of Communications, China CITIC Bank, China Everbright Bank, China Merchants Bank, China Guangfa Bank, Ping An Bank, Shanghai Pudong Development Bank, Minsheng Bank, Agricultural Bank and Postal Savings Bank. Just click it and press the reminder to use it.

Although every bank's mobile phone is different, personal credit inquiry needs authorization first, and at the same time, it is actually operated by brushing your face to authenticate yourself as an account.

3, UnionPay flash payment APP query

Download the China UnionPay Express APP in your mobile phone, open the login account, click "My Own" to enter the user center, and you can see the personal credit report. After clicking, it will pop up and authorize the application, enable reading articles and allow the UnionPay user service agreement, click "Allow", then enter the verification code sent, and click "Full Free Inquiry".

Is there a charge for checking personal credit online?

There is no frequency limit for online credit check, and all services are completely free. However, offline promotion inquiry is only conducted twice a year for free. From the third time, the fee is gradually charged according to the standard of 10 yuan.

For example, suppose that in 2022, borrowers do not need to charge for checking personal credit information online for three times. If they plan to promote offline credit information for free, the number of times will be recalculated. If they need to check more than twice, they need to pay 65,438+00 yuan each time.

How long does it take to check personal credit information online?

It is impossible to report credit information on the internet on the same day. Because the system software will check the true identity of the inquirer, it will push an identity verification code within 24 hours after success, and then log in to the previous inquiry method again to obtain personal credit information with the verification code.

Note that the validity of the real identity verification code is only 7 days. If you don't log in in time to get personal credit information, the verification code will be invalid and you need to resubmit the application.

Can the bank loan be cancelled?

It is possible to cancel, but it depends on the actual situation.

1. If it is still in the bidding period, it can be cancelled directly.

2. If the application is passed but a formal loan contract is not signed, it can be cancelled directly.

3. If the loan has passed the signed contract, it can only be cancelled after paying off all the loan amount.

Extended data:

What are the terms of the bank loan?

You can only apply if you need to provide guarantee, house mortgage, or proof of income and good personal credit information. Your property with a value of 6.5438+0 million cannot be used as mortgage.

Because you can only mortgage the amount that does not exceed the value of the mortgaged house.

Lender's requirements:

1,1natural person aged 8-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed).

2. Have the ability to stabilize employment, income and repay loan principal and interest on schedule.

3. The actual age of the borrower and the loan application period should not exceed 70 years old.

For mortgage loans such as personal housing loans and personal housing provident fund loans, personal loan conditions require individuals to use their own houses as collateral.

Some banks also require valid assets as collateral, so they must go through mortgage registration and insurance procedures, and the insurance application form must indicate "the first beneficiary of the loan behavior".

Personal housing mortgage loan, the maximum loan amount does not exceed 70% of the value of collateral;

If a personal commercial house is mortgaged, the maximum loan amount shall not exceed 60% of the mortgaged property value.