Bank loan accounts can be frozen. Because the bank has the right to freeze the user's loan account, such as the user's loans overdue, poor credit qualification and insufficient loan amount, the bank can freeze the user's loan account. After the loan account is frozen, the user cannot submit the loan application, but the loan in the repayment stage can still be repaid normally. After the loan account is frozen, it can only be unfrozen by the system, and manual customer service cannot intervene. After the user's loan account is frozen, please repay the loan on time or pay off the overdue debt as soon as possible, maintain a good credit record for a long time and reduce the personal debt ratio. After that, the system will re-evaluate the loan account, and the loan account will return to normal after the evaluation is passed.

What to do if the loan funds are frozen?

When the loan funds are frozen, users need to contact the loan bank to find out the specific reasons. If the funds are frozen due to incorrect information, the applicant can change the relevant information in time. If the bank account is frozen by the police, the applicant needs to contact the frozen public security organ and ask the reason for the freezing. Then find out the truth, provide proof that the funds are legal, and apply for thawing.

It is not ruled out that the bank card information provided is incorrect, which leads to the failure of banks or lending institutions to lend money successfully. Therefore, users need to check their own information to avoid the freezing of loan funds due to some mistakes or illegal operations.

Generally speaking, when funds are frozen, users need to contact the bank in time to find out the reason, and then handle related business according to the instructions of the bank. It should be reminded that some informal online loans will deliberately freeze funds when lending, and then require borrowers to pay a certain margin.