When you applied for a loan, it was approved by others. Although it is approved, it will not be awarded to you immediately and needs your confirmation. You can refuse it completely, or you can call them directly. You don't need this loan.
2. What if the loan is approved but you don't want to use it?
The loan was approved, but you don't want to use it. You can contact customer service to cancel the loan. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to credit funds such as loans, discounts and overdrafts. 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 conditions for applying for a loan are as follows: 1. The applicant must be a natural person with full capacity for civil conduct; 2. Having urban permanent residence or valid residence status requires the borrower to have legal status; 3. Have a stable occupation and income, good credit and the ability to repay the principal and interest of the loan; 4. Some banks will require applicants to apply for the bank's credit card, or borrow from banks with good credit records; 5. Some also require providing assets recognized by the bank as collateral or pledge, or using units or individuals that meet the prescribed conditions and have compensatory capacity as guarantors to repay the principal and interest of loans and bear joint and several liabilities. Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China. Due to the high risk of credit loans, it is generally necessary to conduct a detailed investigation on the economic benefits, management level and development prospects of borrowers in order to reduce risks. Credit loan business is mainly handled by banks, loan companies and electronic financial institutions. Collateral, also known as "collateral", refers to the physical objects used as collateral when banks issue loans, mainly including land, houses, securities and commodities.
3. What if the loan is approved but you don't want to borrow it?
If the loan is approved but not actually issued, you can go to the bank to apply for cancellation at any time.
4. What should I do if I don't want to decorate after the approval of ICBC's renovation loan?
The conditions for ICBC to apply for personal housing consumption loans (including decoration and other housing consumption purposes) are:
1. The age is between 18 (inclusive) and 65 (inclusive);
2. Have a fixed residence and identity certificate;
3. There is a clear loan purpose;
4. Can provide effective loan guarantee;
5. Other conditions stipulated by the lending bank. Information to be provided: 1. Valid identity certificate, household registration certificate and marital status certificate; 2. Proof of repayment ability such as personal tax payment certificate and salary certificate. ; 3 housing renovation contract, commodity sales contracts, consumer certificates of deposit and other certificates of use; 4. Guarantee certification materials; 5. Bank card or account after deducting the loan. Tips: As there may be differences in different regions, please contact the loan bank for confirmation before handling the specific regulations. (Answer time: 2065438+May 24, 2009. In case of business changes, please refer to the actual situation. )