Of course, if the customer currently has multiple loans, resulting in too many credits (big data) and too many loan records, then it is helpful to cancel the loan account. Customers will pay off the outstanding debts first, then cancel the unused loan accounts and keep from applying for new credit products for the time being. Generally, after three to six months, the situation of credit information (big data) will improve.
If the customer doesn't have a lot of loans, and then there is a loan demand on the loan platform, there is no need to cancel the loan account. Anyway, there is no charge for putting it aside. Of course, if the customer does not intend to borrow money on the loan platform in the future, it is easier to directly close the account.
Laws and regulations in peer-to-peer lending
Loan agreement terms
Article 10 of the Supreme People's Court's Opinions on the Trial of Lending Cases by People's Courts: The loan relationship formed by one party by fraud, coercion or taking advantage of the danger of others in violation of its true meaning shall be deemed invalid.
Article 11 of the Supreme People's Court's Opinions on People's Courts Handling Lending Cases: Lenders know that borrowers borrow money for illegal activities, and their lending relationship is not protected.
Provisions on providing guarantee for loans
Article 198 of the Contract Law stipulates that when concluding a loan contract, the lender may require the borrower to provide a guarantee. The guarantee shall comply with the provisions of the Guarantee Law of People's Republic of China (PRC).
Article 13 of the Supreme People's Court's Opinions on People's Courts Handling Loan Cases: In the loan relationship, the person who only plays the role of contact and introduction does not assume the guarantee responsibility. If there is a real intention to guarantee the performance of the debt, it shall be recognized as a guarantor and bear the guarantee responsibility.
Article 2 1 1 of the Contract Law: "If there is no agreement or unclear agreement on the payment of interest in the loan contract between natural persons, it shall be deemed as non-payment. If the loan contract between natural persons stipulates the payment of interest, the loan interest rate shall not violate the relevant provisions of the state on limiting the loan interest rate. "
Article 6 of the Supreme People's Court's Opinions on People's Courts Handling Lending Cases: "The interest rate of private lending can be appropriately higher than that of banks, and the local people's courts can specifically grasp it according to the actual situation in the region, but the maximum interest rate shall not exceed four times (including interest rate) of similar loans of banks. Beyond this limit, the excess interest will not be protected. "
Chapter 23 "Intermediary Contract" of the Contract Law clearly stipulates that an intermediary can provide intermediary services concluded in a loan contract and collect corresponding remuneration from the principal according to law. Therefore, the existence of loan service institutions and the collection of service fees are in line with the law and protected by law.