It is recommended to contact the relevant departments of the school to verify whether the loan application is successful. Lend if it is approved, and not if it is not approved. There is no need to repay.
Second, how to deal with the money after the online loan contract is signed?
What if the money hasn't arrived after signing the contract?
(1) Contact the platform party after the sale in time, and ask the other party to stop the calculation of loan interest and do a comprehensive recall for future evidence collection.
(2) You can complain to the Internet financial platform, and the lender has doubts about signing a false contract.
Third, how to calculate the second-hand housing fund supervision loan?
In second-hand housing transactions, disputes often occur between buyers and sellers: the seller requires the buyer to pay the house price first, and then transfer the ownership; The buyer asked for the transfer first, and then paid the house price. The supervision of funds just avoids the situation that "the public says that the public is reasonable, and the woman says that the woman is reasonable".
1, the benefits of capital supervision to buyers
① Avoid the risk of house seizure.
Although house verification can avoid the risk of mortgage and seizure of houses to a certain extent, it is difficult to find out whether the seller has other debts, such as private loans, which have not been filed with the Housing Construction Committee and the bank. Once the seller does not pay, the house is at risk of being sealed up. If the down payment is paid directly to the seller, there is no fund supervision, the seller is insolvent, and the buyer's money and house are gone.
(2) prevent the problem of selling funds for one room and two houses.
According to the regulations, in the case of one room and two sales, who will generally transfer the house? The seller will resell the house to others without your knowledge. If the payment is made directly to the seller, the buyer needs to recover the money through litigation. If the transfer is not under the supervision of funds, the money will still be in the supervision account and will be returned directly to the buyer after the contract is terminated.
2. Benefits of fund supervision to the seller
In the second-hand housing transaction, some buyers will ask for transfer before payment. If the seller agrees to such a request, the ownership of the house will be transferred to the buyer first, and the buyer will not pay the remaining house price, and the seller will lose both the money and the house.
If the funds are supervised, the seller can see that the buyer will transfer the house payment to the supervision account, and the seller can transfer the house with greater confidence. Because doing so can also ensure that the buyer has enough funds to pay the house payment, avoid the risk that the buyer will interrupt the transaction due to insufficient funds, and also avoid the situation that the buyer defaults on the final payment.
Note: Fund supervision refers to the supervision of funds by buyers and sellers, banks and intermediary structures, and the funds are frozen in the supervision account filed by intermediary agencies in the Housing Authority, and the funds are unfrozen after the buyers and sellers complete the formalities of property right delivery (after the transfer is completed); When the intermediary's account is frozen for various reasons, the funds in the special account are not frozen, and the buyers and sellers and the bank have the right to manage the transaction funds according to the normal process. Buying a second-hand house is best to supervise funds. Fund supervision is beneficial to both buyers and sellers of second-hand houses. It is provided by an independent third party (fund supervision institution/bank) to protect the interests of both parties, avoid the sale of second-hand houses and reduce the transaction risk of second-hand houses.
4. What should I do if the loan funds don't arrive?
The frozen loan funds have not arrived, and the user does not need to repay. If the loan funds are not received, the loan contract will not take effect. At this time, the user does not need to bear the repayment responsibility. If the lender repays the loan before the funds arrive, the user can refuse and complain or report to the relevant departments. Term loans will not begin to calculate interest until the loan funds arrive. In addition, when the loan funds are released, there is a certain probability that the loan will fail. Then whether the loan funds are frozen or the loan fails, the user does not need to repay in both cases. As long as the user applies for a formal loan, the lending institution will not ask the user to repay the loan before the loan funds arrive. When users apply for informal loans, they not only don't lend money to users, but want to make money from them. Therefore, users are more likely to pay upfront fees and freeze loan funds but need to repay them. 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 the Law on Commercial Banks 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, and loans should not go wrong. Payment method: 1. Matching principal and interest repayment: that is, the sum of loan principal and interest is repaid by matching monthly. 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: A repayment method in which the borrower repays the loan in every installment (month) 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. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [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: When the borrower applies to the bank, it can repay part of the loan in advance, which is generally an integer multiple of 1 000 or 1 000. 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. Repay all loans in advance: when the borrower applies to the bank. 6. Borrow and pay back: 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.