Hello: the loan has been approved, so it is not so easy for you to cancel it. But you can prepay: if so, you need to apply to the bank for prepayment one year after the loan starts. The specific process is 1. Handling prepayment: Generally, it is necessary to submit a written prepayment application days in advance according to the loan contract, and the bank can handle it afterwards. Whether to pay liquidated damages shall be implemented according to the contract. 2. The interest rate will not change due to partial prepayment, and the interest rate agreed in the contract will continue to be implemented. 3. It is necessary to recalculate the monthly repayment amount and reprint the repayment plan. 4. Monthly interest rate: the annual interest rate announced by the state and agreed in the contract is generally expressed by a percent sign. For example, 6% verbally means "6 points"; The annual interest rate/12 is the monthly interest rate, expressed in micrometer: 5‰ is 5% verbally. The annual interest rate is expressed in% and the monthly interest rate is expressed in ‰. 5. The liquidated damages for prepayment are stipulated in the contract, and there is no need to pay if there is no agreement. 6. About monthly repayment amount-monthly repayable principal = loan amount/repayment months (loan term 12), monthly interest payable = loan balance, actual loan execution monthly interest rate, loan balance = loan amount-repaid amount = monthly repayment principal, and monthly interest payable.
2. Can the bank loan be cancelled after it has passed?
The bank loan has been paid. If the loan contract has not been signed, the user can cancel it at this time. The loan contract has been signed, and it is a breach of contract to terminate the contract halfway. If the loan contract supports cancellation, the user can pay liquidated damages to cancel it; The loan contract is irrevocable. Users must wait for the loan funds to be disbursed, and then choose prepayment to end the loan contract.
If the user applies for a bank online loan, the loan contract will be signed after the general approval, and the cancellation of the loan is not supported at this time.
3. Can I cancel the car loan application?
Legal analysis: as the case may be, the loan business is signed. If you have signed a loan contract, you must bear certain liability for breach of contract while waiting for the loan to be issued. If you regret the refund, you can negotiate with the dealer, ask to terminate the vehicle sales contract, bear certain liability for breach of contract, and compensate the dealer for losses. If negotiation fails, the dealer insists on different ways of buying cars. Because the contract is legal and valid, it must be fulfilled. Car loan, commonly known as "car loan", is a major consumption form of modern car purchase. Refers to the auto loans granted by the lender to the borrower for the purchase of automobiles, and the auto loans granted to the dealers according to the loan interest rate regulations published by the People's Bank of China. The loan term of the borrower and the loan (including extension) shall not exceed 5 years, and the loan term of the car loan to the dealer shall not exceed 1 year. Lenders and borrowers should follow the principles of equality, voluntariness, honesty and trustworthiness.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 585 The parties may stipulate the circumstances of breach of contract and the calculation method of damages for breach of contract. If the agreed liquidated damages are lower than the losses caused, the people or arbitration institution may, at the request of the parties, reduce them appropriately according to the fact that the liquidated damages agreed by the parties are excessively higher than the losses caused, and the defaulting party shall still perform its debts after paying the liquidated damages.
Article 679 A loan contract between natural persons is established when the lender provides the loan.