At the same time, if the loan software is not commonly used, the lender can cancel the loan account, unbind the associated bank card, change the service password of the mobile phone number, etc. for safety and not to be disturbed by junk information. , so as to prevent the software from querying private information such as mobile phone call information in the background, and finally uninstall the loan software and cancel the credit in Alipay and other software.
First, how to deal with the online loan after it is paid off
After the online loan repayment, it is generally good to confirm that the balance of the loan platform is zero. Some loan platforms may also need a loan settlement certificate, which can be handled according to the requirements of the loan platform.
Second, cancel after paying off.
1. After the loan is paid off for three working days, the borrower can get the proof that the loan has been paid off in full. When printing the certificate of full repayment of the loan, you should bring the borrower's ID card and loan contract.
2. If the guarantee mode of joint and several liability guarantee of the guarantee center is adopted, then go to the guarantee center to cancel the mortgage.
3. Take the settlement voucher, the last repayment bill, provident fund loan contract, ID card, guarantee fee invoice, original ID card of the borrower and other materials to the guarantee company for mortgage cancellation.
Paying off the online loan usually has no effect on the mortgage, but if the user has overdue behavior during the loan process, the mortgage will be affected. If three consecutive overdue times are accumulated for six times, the bank will directly refuse the loan.
There are some factors that will affect mortgage loans:
1. Shangzhengxin online loan
For example, Tencent micro-loans, Alipay loans, online merchant loans, Suning full payment, and consumer finance loans will all conduct credit inquiry before applying, leaving inquiry records. If you apply for loans frequently in the near future, it will have a certain impact on the mortgage review. If you check too much, your financial situation will be very poor.
2. Credit card cash installment and bank consumption loan
Banks can check your debts through credit records and bank running water. As long as the monthly income can withstand the repayment pressure, it is easy to get a loan.
3. Repaid online loans
Although it is said that applying for too much online loan credit information will affect the mortgage, the online loan record has little effect on the mortgage, and the online loan that has been repaid has basically no effect. If the repayment pressure of the online loan being repaid is too great, it will have a certain impact.
4. The impact of overdue online loans is very great.
The most important information in credit records is overdue records (credit cards, housing loans, car loans, consumer loans, etc. ), and the other is the housing loan record.