The loan has passed the loan review, and the user has signed a loan contract with the lending institution. At this time, even if there is no loan, the loan application cannot be cancelled. In the loan review stage, the user can cancel the loan application. If the user wants to cancel the loan after the loan is approved, he can choose to pay off the arrears in advance, so that the loan contract can be terminated in advance.

When users apply for online loans, as long as they pass the loan review, the system will automatically generate an electronic loan contract. Unless the lending institution does not lend money, it cannot cancel the loan.

I. Loans

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.

Second, the principle of loan

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.

Will the information that the bank loan is unsuccessful be returned?

If the bank loan is unsuccessful, whether the information will be returned to the user depends on the application route of the user. If you apply online, the information will not be returned to the user. Users submit paper loan information offline. If the audit fails, the bank will return the paper materials and inform the reasons for the failure. Therefore, users can choose the application route according to their actual situation.

Online application for bank loans, although the information will not be returned, will not be recorded in the banking system because it has not passed the examination.

Can I get a refund if the loan is not available?

You can return it.

If the mortgage fails, customers can choose to return a house, and then naturally they can find a real estate developer to apply for a refund of the previous down payment.

It's just that everyone needs to pay attention. If the reason why the mortgage can't be done comes from the customer, such as bad credit, then the customer needs to bear certain liability for breach of contract when checking out. At that time, the real estate developer may not return all the down payment of the house, and it is estimated that part of it will be deducted as liquidated damages.

Of course, if the mortgage can't be done because of the real estate developer's problems, such as incomplete documents, then the customer naturally doesn't have to bear the liability for breach of contract, and can ask the developer to refund the down payment of the house in full, or even ask the other party to pay a certain loss fee.

Therefore, if the first mortgage application fails, customers are advised to find out the reasons first. If it is not because the developer is not qualified to sell the house, in fact, you can try to re-apply, re-apply in another bank, and then supplement and improve the information and try to increase the down payment. You can also find a person with good credit as a guarantee, and maybe the mortgage will be handled smoothly.

What should I pay attention to when buying a house with mortgage loan:

1. Apply for the loan amount according to your own ability.

When applying, the borrower should make a correct judgment on his current economic strength and repayment ability, make a correct and objective prediction of his future income and expenditure, carefully determine the loan amount, loan term and repayment method, design the repayment plan according to his income level, and leave room appropriately.

2. Choose a good loan bank for mortgage.

The more services banks provide, the more detailed they are. You will get flexible and diverse personal financial services, as well as a rich service and product portfolio. For example, some banks have introduced a series of new measures, such as adjusting the loan term of borrowers, allowing borrowers to change things, changing real estate rights and so on.

3. Choose the repayment method that suits you best.

At present, there are basically two repayment methods for individual housing loans: equal repayment method and equal principal repayment method. The repayment method of equal repayment is adopted, and the repayment amount is unchanged (except for adjusting the interest rate), which is convenient for repayment, but more interest should be paid; Equal principal repayment, the monthly repayment amount is gradually decreasing.

The information provided to the bank should be true.

A true personal occupation, position and recent proof of economic income shall be provided. If you don't have enough ability to repay the loan, but exaggerate your income level, it is very likely that you will default at the initial stage of repayment, and it is confirmed by bank investigation that you have provided false certificates, which will affect yourself.

I paid the down payment and found that the bank's credit information was invalid. Can I get a refund?

Refund can be negotiated, and the reason why the bank does not approve the loan does not belong to the owner or the developer. After paying the down payment for buying a house, the mortgage has not come down, which can be divided into the following situations:

If the failure to conclude the mortgage loan contract is caused by the developer, such as the developer's incomplete procedures or the bank thinks that the developer lacks the guarantee ability, and the buyer can't continue to perform the contract because he can't handle the mortgage, the buyer can not bear any responsibility, and can even ask the developer to bear the responsibility.

If the loan cannot be handled due to reasons not attributable to both the developer and the buyer, the buyer may also request to cancel the contract and refund the down payment for the house purchase. The reasons that can't be blamed on both sides are mainly policy factors, such as the adjustment of national loan policy, the regulation of real estate market, and the limitation of bank loan scale. If this happens, buyers can also request to return a house and refund the down payment.

If it is because of the buyers' own reasons, such as the incomplete information provided by the buyers, or the lack of repayment ability of the buyers, the bank thinks that the buyers do not meet the loan conditions and will not issue loans, resulting in the inability to conclude a loan contract. If the buyer requests to cancel the concluded sales contract, the court generally does not support it. If this happens, buyers should renegotiate the payment with the developer or pay the house payment directly to the developer. If you can't pay the house price, the developer can charge the buyer for breach of contract according to the contract.

Article 23 of the Interpretation on Several Issues Concerning the Application of Laws in Disputes over Commercial Housing Sales Contracts stipulates that if the buyer fails to conclude a commercial housing secured loan contract due to one party, the other party may request to terminate the contract and compensate for the losses. If the commercial housing secured loan contract cannot be concluded due to reasons not attributable to both parties, and the commercial housing sales contract cannot be continued, the parties may request to terminate the contract, and the seller shall return the principal, interest or deposit of the purchased house price to the buyer.