If the user only submitted the loan application, the bank accepted the application, and the loan is in the review stage, then the loan application can be revoked. The user has passed the loan review and even signed a contract. At this time, if you want to return the goods, it is a breach of contract. You must pay a certain fine to the bank before you can return it. If the funds have been misappropriated, they cannot be returned.
For bank loans that have been approved, users can only choose to settle in advance to end the loan contract. As for whether to pay extra fees in advance, it depends on how the loan contract is agreed.
Can I get a refund after the car loan?
Generally speaking, if you get a car loan, you can refund it if it is useless. This should be calculated according to prepayment, and there are two main payment methods for liquidated damages:
1. Repayment in full in advance: after the loan bank verifies that the relevant materials are correct, it will go through the formalities of prepayment in full.
2. Early repayment with the same loan term: the loan bank instructs the borrower to fill in the relevant agreement.
But the liquidated damages are actually a lot of money, so try not to refund them. I hope my answer can help you.
Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.
Type of automobile loan
Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan.
The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.
In addition to the above fees, personal auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits.
And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records.
The specific steps of buying a car by credit card in installments are roughly as follows:
1. The cardholder (or applicant) calls the bank's credit card center or goes to the local bank to find out whether he can apply for a credit card car loan.
2. The cardholder holds his ID card to the dealer's site to fill in the installment order for car purchase and submit it to the bank for review.
3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures.
4. After the vehicle is licensed, the cardholder needs to go to the bank to go through the mortgage formalities and purchase the required auto insurance.
5. I can finally drive away smoothly.
loan limit
The maximum loan amount generally does not exceed 80% of the price of the purchased car.
Letter of credit clause
1, with valid identification and full capacity for civil conduct;
2. Can provide a fixed and detailed address certificate;
3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;
4. Personal social credit is good;
5. Holding a car purchase contract or agreement approved by the lender;
6. Other conditions stipulated by the Cooperation Organization.
Can I get a refund after the loan is approved?
The loan can be refunded after it is approved.
The loan application was approved. If no loan contract is signed, you can directly apply to the lending institution to cancel the loan application. The loan contract has been signed. If you don't want it, you can cancel the loan, but the user needs to pay a certain penalty. Users should carefully consider before applying for a loan, and try not to cancel the loan during the application process.
In addition, after the loan application is passed, some loans are automatically signed. At this point, the user who wants to cancel the loan application must take the initiative to contact the lending institution.
Loans 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 benchmark interest rate is a universal reference interest rate in the financial market, and other interest rate levels or financial asset prices can be determined according to this benchmark interest rate level. Benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the condition of interest rate marketization, financiers measure financing costs, investors calculate investment returns, and management regulates macroeconomics. Objectively, a universally recognized benchmark interest rate level is needed as a reference.
Therefore, in a sense, the benchmark interest rate is the core of the formation of interest rate marketization mechanism. Simply put, you usually deposit money in the bank and he gives you interest. The greater the benchmark interest rate, the more interest; The smaller the benchmark interest rate, the smaller the interest.
The interest-bearing settlement rules and methods for deposit and loan business formulated by national commercial banks as legal persons shall be reported to the head office of the People's Bank of China for the record, and the customers shall be informed; Regional commercial banks and urban credit cooperatives should be reported to the branches of the People's Bank of China and the central branch of the provincial capital for the record, and inform customers; County rural credit cooperatives as legal persons may, according to the actual situation of the county rural credit cooperatives, formulate the rules for interest calculation and settlement and the interest-bearing measures for deposit and loan business, and report them to the branch of the People's Bank of China and the central branch of the provincial capital for the record, and the rural credit cooperatives as legal persons shall notify the customers.
The loan has been approved successfully. What should I do if I don't want it? Actually, it can be returned.
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!