The loan must be repaid.

If the loan approval letter comes down but you don't receive it, it's not interest, but if the money arrives in your card, it's interest. If it is useless, you can pay it back in advance, and the interest after paying it back in advance can not be calculated. But some banks have to pay liquidated damages in advance. You can look at the loan contract or consult the staff.

Do I need to pay interest if the bank loan is approved?

There are two kinds of loans: consumer credit loans and cash loans. The loan has come down, do you want interest? Discuss the situation equally:

1. Consumer credit loans cannot be withdrawn, but can only be overdrawn, such as flower buds and white strips, which can be used without interest, unless they are overdue after use.

2. If you apply for a cash loan, you have to pay back the money in your card even if you don't use it. You have to repay part of the principal and interest every month according to the loan contract.

Extended data:

Consequences of overdue loans failing to repay the bank:

1. Generate penalty interest;

2. Produce bad credit records;

3. dunning by lending institutions;

4. Dispose of the assets of the borrower and guarantor;

If the circumstances are serious, you may go to jail.

note:

1. Bad credit records are recorded in personal credit information;

2. It usually takes five years to be eliminated;

3. Some serious cases can be postponed to ten years;

4. Some cases are very serious, and those with bad nature will enter the permanent blacklist.

Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit.

Bank loans generally need to provide guarantees, house mortgages, income certificates and good personal credit information before they can apply. In different countries and different development periods of a country, the types of loans classified according to various standards are also different.

Credit conditions:

1. credit line: the credit line is the maximum amount that the borrower is allowed to borrow as stipulated in the agreement signed between the borrower and the bank.

2. Revolving credit agreement: Revolving credit agreement is a loan agreement that banks promise to provide enterprises with no more than a certain maximum amount according to law.

3. Compensatory balance: Compensatory balance refers to the minimum deposit balance that the bank requires the borrower to keep in the bank according to the loan limit or a certain proportion of the actual loan amount (generally 10% to 20%).

Loan interest: 20 15 years 10. The latest benchmark interest rate table for bank deposits and loans implemented on October 24th: 6 months (inclusive), 4.35% for one year (inclusive) and 4.75% for five years (inclusive). Note: The benchmark interest rate is set by the central bank, and the bank loan interest rate can fluctuate on this basis.

Will it be a liability if the loan is not used? So this is the relationship.

Nowadays, many people are under great economic pressure and may often need loan turnover. Most loans are borrowed after the quota is issued. Some people wait for the quota to come out, but they don't really use it. I wonder if the loan is useless. Could it be debt? Today, I will give you a brief introduction to see what kind of relationship between loan amount and liabilities.

Will it be a liability if the loan is not used?

Now many loan platforms are connected to the central bank's credit information system, and the credit information report will show the total loan amount, used amount, monthly repayment amount and other information. Among them, the used ones are personal liabilities, and the useless ones are not liabilities. As long as the amount used is repaid, the useless amount can be ignored.

For example, if a platform gives a line of 30,000 yuan, and the credit report shows that the total amount is 30,000 yuan and the used line is 1 10,000 yuan, then the personal debt is 1 10,000 yuan, and the remaining 20,000 unused line will not be included in the personal debt, just repay the line of 1 10,000 yuan.

Of course, it doesn't matter if the borrower doesn't need a loan amount of 10 cents. Any loan platform will not force borrowing as long as there is a quota. However, in order to meet the regulatory requirements, if the loan platform tightens the loan scale, it will start with borrowers with unused quotas, recover the quotas of these people and give them to borrowers with quota requirements.

In addition, some loan platforms require borrowers to apply for credit lines, and check the credit information when granting credit lines. Although there is no loan, they will also leave a hard inquiry record of loan approval. Too many times will be considered that the borrower is short of funds, unable to repay, and will not lend when he really wants to borrow.

The above is the introduction of "Will the loan amount be considered as a liability if it is not used". I hope it will help everyone.

Does online loan application have an impact on credit reporting? Hello?

The loan application was successful. It's not necessary.

The impact of successful loan application is as follows:

1. As long as the borrower's loan is successful, whether it is useful or not, there will be a loan record on the borrower's credit record.

2. If the loan has not been used for a long time, the credit record will show the unpaid debt record, which will have a certain impact on future credit records.

If the loan has not been used, it means that the borrower has no demand for money, so there is no need for a loan. The bank will think that the borrower has no need to lend, which will affect the borrower's next loan.

Extended data:

How many times did the credit bureau check and record the loan?

More than 5 times of credit inquiry in one month, or more than 10 times of credit inquiry in three months will affect users' subsequent application for other loans. Too many inquiries about the credit report will directly ruin personal credit. When personal credit is destroyed, users will apply for loans, and the audit will be stricter, so the probability of users passing the audit will be reduced.

Moreover, users often handle credit business, and there will be a large number of inquiry records in the credit investigation. Later, when financial institutions inquire about users' credit information, they will think that users' economic situation is poor. After all, only people with poor economic conditions will often handle loan business. Of course, after the user's credit information is spent, the user applies for a loan, and the lending institution will directly list the user as a risk customer, and the risk customer still has a certain probability of passing the audit.

Financial institutions are more concerned about whether there are bad credit records in credit information. When there are bad credit records in the credit information, users will not be able to apply for loans until the bad records are deleted.

Will the loan be cancelled if it is useless for two years?

Hello, you don't usually cancel. If the loan has been issued and the card has not been used for two years, interest and repayment will be charged on time.

If you apply for a loan line, it is useless and may be cancelled. The user has applied for a credit line of the loan, for example, 5,000 yuan, but if it is not used for a long time, the system will allocate the credit line to those who need it more. Then when the user applies for cash withdrawal, there will be a prompt that the cash withdrawal failed. It is best for users to apply for a credit line when they need to use the loan, and the credit line obtained in advance may not be successful.

If you have a credit line in the future, the system will still review users when applying for cash withdrawal.

It's no use borrowing money from the bank. Do you still deduct interest?

If you borrow money from a bank, as long as the money is credited to your account, you have to pay back the loan interest even if it is useless, and the loan interest will be deducted once every quarter. If your loan is useless in your account, the bank will pay you interest on your current deposit. If the loan interest is greater than the deposit interest, it is necessary to bear the spread. If you don't use the loan money, return the original money as soon as possible to make up the difference.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. 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 within a 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, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.

Repayment method: (1) equal principal and interest repayment method: equal repayment every month, and repayment of the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.

(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.