1. Bank loan: If the loan is under review, you can directly contact the platform customer service or business manager for cancellation. Moreover, if the user does not answer the audit call for many times in the audit state, the platform will also record the abnormal situation and refuse to handle it, so there is no impact. 2. Online loan: Online loan can also be cancelled. In addition to what users don't want, there is also a case that the loan from the funder has not been received, which may be due to the shortage of loanable funds or other reasons. But for the applicant, in this case, you can click cancel the loan on the loan page or contact customer service to cancel it.

1. Bank loan application conditions: 1. Must be a natural person with full capacity for civil conduct. 2. Have permanent residence or valid residence status in this city. 3 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan. 4. Some banks will require that the applicant has applied for a bank credit card or borrowed money from the bank, and has a good credit record. Some banks also require bank approval. The work is mortgaged or pledged, or there are units or individuals that meet the prescribed conditions and have the ability to compensate.

2. Loan terms: 1. The original and photocopy of the marital status certificate, household registration certificate, household registration certificate or other valid residence certificate of the borrower and its spouse;

2. Personal income certificate, such as personal tax payment certificate, salary certificate, investment income certificate and average financial assets certificate in ICBC or other banks in the last 6 months;

3. Proof or explanation of the purpose of the loan;

4. Proof of ownership of mortgaged (pledged) property; If the mortgaged property needs to be assessed, the original assessment report shall be provided;

5. Other documents or materials required by the bank.

Third, the principle of loan: The "three principles" of loan refer to safety, liquidity and efficiency, and are the fundamental principles of loan operation of commercial banks. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles." 1, loan security is the primary problem faced by commercial banks; 2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time; 3. Efficiency is the basis of sustainable operation of banks. For example, issuing long-term loans, the interest rate is higher than short-term loans, and the income is good. However, if the loan term is longer, the risk will increase, the safety will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that the loan will not go wrong.

Second, how to cancel the loan being applied for?

If you want to cancel on your mobile phone, you can contact to cancel the loan application as long as the next payment is successful. If the loan is successful, it has already entered the fund matching process, and it will be more troublesome to cancel it. To sum up, the loan can be cancelled when applying, and the ways to cancel the loan will be different in different processes. If it is a bank loan, the applicant can directly apply for cancellation before lending. If the loan application has not been signed, the applicant can directly terminate the loan application. If the loan has been re-approved, the applicant can apply to the bank account manager to cancel the loan application and terminate the loan process. If the loan is issued successfully, the application can only be to choose to repay the loan in advance. After a large-scale lending institution defaults on a loan successfully, if the lender wants to cancel it, it can only be counted as early repayment. At this time, although there will be loan records, they will not be recorded. There are also some lending institutions that will agree to cancel the loan, but the applicant must pay liquidated damages. : 1. Bank loan: Generally, you can apply for account cancellation before lending. Specifically, if the loan contract has not been signed, the applicant can directly terminate the loan application. If the loan is under approval, the applicant can apply to the account manager to terminate the loan approval process. If the applicant cancels the loan after examination and approval, he must pay liquidated damages, which will affect his personal credit information. If the loan has been paid in place, the applicant can only make preparations for prepayment. 2. Mobile phone: Mobile phone loans can also be cancelled. As long as the next loan is successful, you can contact the customer and apply for cancellation of the loan. However, if the loan is successful and enters the stage of fund matching, it will be more troublesome for the applicant to apply for cancellation of the loan. General lending institutions will default to the success of the loan, and the lender can only repay in advance at most, and there will be loan records and credit information. Some lending institutions will agree to cancel the loan, but the applicant must pay liquidated damages. Operating environment: vivoy93 Bank of China 6. 1 1.4.

Third, how to cancel the housing loan and how to cancel it?

Banks such as Shenzhen Development Bank and Shenzhen Development Bank have launched "flat mortgage" to win over existing mortgage customers of other banks. If citizens buy the first ordinary house and have a good repayment record, they can enjoy a 30% discount interest rate as long as they transfer the remaining loans to SDB. The first commercial house, below140m2, is not overdue.