; ? 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!
Can I get a refund after the loan application is approved? How to return it?
; ? Now in this society, all kinds of loan businesses are flying all over the sky, but for many friends, loans still need careful consideration. So if you suddenly change your decision after submitting the loan application, and the loan application is passed, can you get a refund? How to return it? Let's explain it in detail.
I. Bank loans
(1) If you apply for a loan according to the normal process, you can return it. After the loan is approved, there will be an iou. As long as you don't sign, the loan will be suspended and you can apply for a refund.
(2) But if the loan amount has already come down, you can only make preparations for prepayment.
However, it will take a whole year.
Otherwise, there will be liquidated damages and handling fees.
Second, the loan company
(1) General loan companies can apply for a refund. As soon as it is approved, it will pay immediately. It will be troublesome to cancel at this time, but you can also try to contact the account manager or customer service to negotiate. Cancelling the loan at this time may have an impact on your credit information and may result in a certain penalty.
(2) However, if the loan has been paid in place, it will be more troublesome for the lender to apply for repayment again. At this time, the lender can only repay in advance, but there will be a certain loan record, and it may also be reported to the credit bureau. Moreover, some lending institutions will also agree to cancel the loan, but there will be certain liquidated damages and handling fees.
In short, after the loan application is approved, it is not easy to cancel. Light will delay your precious time, pay liquidated damages and handling fees, and heavy will produce credit records. Bad records in credit records may affect future economic life. To put it simply, if you have a record of canceling the loan once, it is likely that the next loan repayment will not be easy. So everyone must think twice before applying for a loan.
Can I get a refund if I don't want to borrow a bank loan?
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.
My loan has been released, but now I regret it. What should I do?
Just contact the loan bank to apply for a refund. Generally, it is necessary to pay part of the liquidated damages and confirm with the lending bank.
Process for handling bank loans: 1. The borrower applies for a loan; 2. Prepare loan related materials; 3. Customer manager loan survey; 4. Bank approval; 5. Both parties sign a loan contract; 6. Implement mortgage, pledge, unsecured contract or other guarantee contract; 7. Bank loans; 8. Post-loan management; 9. Repay the principal and interest when the loan is due.
First, it can be divided into two loan methods.
1, bank loan.
If the borrower applies for a loan in the bank according to the normal process, it can be refunded. After the loan is approved, there will be an iou. As long as the borrower does not sign, the loan will be suspended and then the loan can be repaid. If the loan amount applied by the borrower comes down, the borrower can only make preparations for early repayment, but some banks need a one-year period, otherwise there will be liquidated damages and handling fees.
2. Online lending platform loans.
Online loan platform application is generally relatively simple. As long as the audit is passed, the salary will be paid immediately. It is relatively easy to cancel at this time. You can also try to contact customer service for negotiation. At this time, canceling the loan may affect your credit and may result in a certain penalty. However, if the loan has been paid in place, it will be more troublesome for the lender to apply for repayment. At this time, the lender can only make early repayment, but will pay a certain penalty or handling fee. Moreover, some platforms will refuse to repay in advance and can only repay on the repayment date, so you must ask the customer service carefully before using it to learn more about the loan application.
2. If the personal loan handled by China Merchants Bank has been released, the loan cannot be cancelled.
If the contract stipulates that you can apply for "prepayment", you can apply for "prepayment" at the handling bank or local post-loan service center. Different branches have different regulations on "prepayment" (such as time, amount, whether there is penalty, etc.). ). You can check your loan contract or directly contact the loan handling bank or the post-loan service center for confirmation.