; ? Before going to the bank to apply, the borrower needs to submit more loan application materials for the approval of the bank's departments. It will take some time for the bank to give the approval result. If the borrower gives up the loan for other reasons at this time, there will be some problems. The loan has been approved successfully. What should I do if I don't want it? Actually, you can return it!

The loan has been approved successfully. What should I do if I don't want it?

If the loan is approved successfully, it needs to be analyzed according to the specific situation. If the loan is approved successfully and the loan has not yet arrived, you can contact the manager or bank that helped you with the loan and ask the bank to stop lending, but there may be a certain penalty at this time.

After the loan is approved successfully, there is no way to cancel it. Users can only repay in accordance with the requirements of the contract, but borrowers can repay in advance, which can save interest expenses. However, some banks have certain restrictions on repaying loans in advance, such as not repaying loans in advance within one year after the loan.

In order to avoid unnecessary situations after the loan, users must know in detail whether they need a loan before handling the loan. Then apply for a loan from the bank. After the borrower submits the materials, the bank will conduct an audit, and after the audit is passed, the bank will lend money.

When applying for a loan in a bank, you must consult the bank in advance to find out the loan interest rate and loan conditions, and then choose the bank that suits you best. According to the loan type, the loan information will be different, but the repayment ability and good credit information are the most concerned by banks, and only users with strong repayment ability can get loans smoothly.

The above is the sharing of "I don't want the loan to be approved successfully". I hope it will help everyone!

I got a loan from the beauty salon today, but I don't want to do it tomorrow. Can I get a refund?

As long as you don't start today and don't want to do it tomorrow, you can still get a refund Generally speaking, you can get a refund if you haven't done it yet. If the beauty salon does not agree to refund, you can contact some lawyers to complain and solve it through legal channels.

You must get the loan yourself. If the other party cheats you for a loan, I suggest you go to the police as soon as possible.

Legal basis: Article 10 of the Supreme People's Court's Opinions on People's Courts Handling Loan Cases states that a loan relationship formed by one party by fraud or coercion or taking advantage of a person's crisis against its true meaning shall be deemed invalid. Article 11 The lender knows that the borrower borrows money to engage in illegal activities, and its lending relationship is not protected.

When you encounter fraudulent online loans, you should leave evidence to prove that you did not lend voluntarily, but were induced to lend without knowing it. As long as you have evidence, you can call the police, or you can go to the industrial and commercial department to report the fraud of this beauty salon and defraud customers of loans. If there is no evidence, it is likely to suffer a dumb loss. It may not be acceptable to call the police, but if you call the police, there will be police there to collect evidence. You can try.

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Beauty loan means that users have no funds to handle medical beauty projects and apply for loans to pay medical beauty expenses. Because beauty and loan are tied together, this kind of loan is called beauty loan. Formal financial institutions will not provide beauty loans, so beauty loans are mostly conventional loans. Once users apply for beauty loans, they will fall into the trap of beheading, high interest rates and being deliberately overdue.

If users are short of money, they should apply for formal consumer loans instead of this kind of beauty loans. Users who like beauty should apply for such loans carefully.

This kind of loan is a kind of consumer loan, which is provided by some loan platforms in cooperation with medical and aesthetic institutions to provide instant consumption and first-time beauty loans for some groups with insufficient spending power.

Different from other consumer loans, the amount of medical beauty loans can only be used to pay the plastic surgery expenses of designated medical institutions, and cannot be withdrawn or transferred, nor can it be used for other purposes.

At present, laws and regulations do not clearly stipulate that medical and American loans are illegal, only that medical and American loans are in a gray area. However, the medical and American loan products on the market are mixed, which are difficult to control, lax in examination and unsecured, and easily lead to a series of social problems. Therefore, we should try our best to choose medical and beauty loans launched by formal institutions.

Usually, regular medical and beauty lending institutions are qualified for loans, that is, institutions with formal financial licenses, or cooperative loans with licensed financial institutions, will not charge high interest, do not conceal the real loan interest, and the interest rate range will not exceed the warning line stipulated by law, and can provide formal loan contracts without malicious collection when users are overdue.

In addition, the beauty institutions that cooperate with the medical and American loans must have valid business licenses and medical institutions' practice licenses, surgeons must obtain doctors' practice certificates, and the fees are transparent, and they will not falsely report medical projects and drive up the cost of surgery.

Urgent! Can the loan be cancelled after it is approved?

; ? Many people applied for a loan because they needed money badly, but they didn't want to borrow it for various reasons before the loan was repaid. So if the loan has been approved, can it be cancelled at this time? I have compiled some loan-related information for your reference. Can the loan be cancelled after it is approved?

Can the loan be cancelled after it is approved?

Generally speaking, as long as there is no payment, even if the loan is passed, it can be cancelled, whether it is an online loan platform or a bank loan. However, because the contract was signed before, the loan will be cancelled after approval, and liquidated damages will be paid. At the same time, it may have a certain impact on personal credit records.

In addition, many platforms are now online fast loans, which can be approved. If you want to cancel this kind of loan after approval, it is recommended to contact the credit manager as soon as possible. Because once the loan is successful, it cannot be cancelled, so you can only choose to repay in advance or at that time.

When applying for loan cancellation, the verification of the lending institution is also required. It is possible that the organization will conduct an electric interrogation to cancel the reason, or ask if I operated it myself; It is even more troublesome to cancel the bank loan after it has been approved. You need to contact the account manager or bank customer service.

So I suggest you carefully consider whether you really need the money and whether the interest on the loan is acceptable before applying for a loan. In addition, don't worry too much if you must cancel the approved loan. The records on personal credit information will be automatically eliminated after five years, which will not affect the whole life and will not be called loan users.