The online loan passed the audit and did not withdraw cash, indicating that there was no substantial loan. At this point, the user does not need to repay the loan. Only after the loan funds arrive, the user needs to enter the repayment state from the day of arrival. If a loan is only approved and the user starts to repay, the user can keep the evidence to make a complaint.

The online loan application was passed, and the money was put into the wallet, but it was not taken out. Do I need to pay back?

The online loan application was approved, and the money was put into the wallet without withdrawal, but the loan has already arrived in the borrower's account, and the contract is valid and needs to be repaid.

According to Article 206 of People's Republic of China (PRC) Contract Law, the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 61 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.

Article 210 A loan contract between natural persons shall take effect when the lender provides the loan.

Extended data:

Article 202 of the Contract Law of People's Republic of China (PRC), the lender may inspect and supervise the use of the loan as agreed. The Borrower shall regularly provide the Lender with relevant financial and accounting statements and other materials as agreed.

Article 203 Where the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.

Article 204 The loan interest rate of financial institutions handling loan business shall be determined according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China.

Do I need to pay back the online loan if I can't withdraw it?

If the online loan cannot be withdrawn from the wallet, then the user has no fact of borrowing, and there is no need to repay at this time.

This kind of lending method is generally an informal online lending practice. Formal online loans are directly lent to users' bank cards, and there is no second withdrawal.

If the loan cannot be withdrawn from the wallet, and the institution needs the user to pay extra to withdraw the loan, then the user can refuse.

Users try to apply for formal online loan products, and the risk of applying for informal products is relatively high.

Online lending, mbth is Internet lending, and p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry.

In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.

The essence of internet finance still belongs to finance, and it has not changed the characteristics of financial risks such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation.

By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.

Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and online microfinance. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by the Contract Law, General Principles of Civil Law and other laws and regulations as well as relevant judicial interpretations in the Supreme People's Court.

Network micro-loan refers to the micro-loan provided to customers by Internet companies through their holding micro-loan companies. Network microfinance should abide by the existing regulations of microfinance companies, give full play to the advantages of peer-to-peer lending, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission.

In the traditional P2P model, the online lending platform only provides services such as information exchange and information value appraisal that are conducive to the completion of transactions, and does not substantially participate in the interest chain of lending. There is a direct creditor-debtor relationship between borrowers and lenders, and the online lending platform maintains its operation by charging certain fees to borrowers and lenders.

In China, because the citizen credit system is not standardized, it is difficult for the traditional P2P model to protect the interests of investors. Once overdue, investors will lose everything.

Therefore, in the continuous exploration and practice of P2P online lending, it is suggested that friends and relatives should be introduced into credit loans for joint guarantee, and mortgages or pledges should be introduced into other loans for counter-guarantee. At the same time, the enterprise loan project introduces a third-party financing guarantee company to audit and guarantee the project principal and interest, and requires that its guarantee scale should match the guarantor's guarantee amount, and the guarantor should also strengthen its own risk control management. Online lending, also known as P2P online lending. P2P is the abbreviation of English peer to peer, which means "person to person".

Is there only a limit on online loans, let alone repayment now? Will have these effects.

Nowadays, many people will borrow online loans if they have no money, and many online loans need to apply for quotas before they can borrow again. Many people don't withdraw money after the loan, so do you still need to repay in this case? Here is a brief introduction.

Is there only a limit on online loans, let alone repayment now?

The steps of borrowing money through online lending are as follows: the loan platform preliminarily reviews the borrower's credit conditions and grants a loan amount, and the borrower applies for a loan/withdrawal within the amount. After the approval is successful, the loan will be issued by the online lending platform to the bank card submitted by the borrower, and the repayment will not be required until it arrives. The repayment date is the lending date.

And if there is only a quota, but there is no withdrawal, obviously there is no loan success, and the loan relationship has not been formally established, and there is definitely no need to repay.

Does it matter?

You don't need to use online loans, but you need to repay them and they won't be overdue. Generally, there will be no impact, but there will be some consequences.

For example, many online loan quotas are valid, which will automatically expire when they expire, and borrowers need to reapply for quotas. Because there is a precedent that the quota is not used, the online lending platform may not give the quota again, and it is afraid that it will not be used. It's better to give it to people who really need quotas.

There are certain risks in not using online loans. If you know the borrower's information, you may steal the account to make a loan. Moreover, there are also online loan application quotas that will also check credit information, and it is easy to get credit information.

In short, if you don't mention the quota now, you don't have to repay the online loan, but there may be some unexpected consequences. If necessary, apply for the quota.