If the customer does not intend to make a loan after filling in the loan information, it doesn't matter if the loan information is not submitted. Like online lending, customers can directly exit the application page. Even if the customer has submitted the loan information, as long as the loan is still under review and the audit results have not been issued, it is not a "breach of contract" for the customer to choose to give up the loan.

However, I suggest that you should consider carefully before handling the loan, so as to avoid the trouble of applying to the loan bank, lending institution or platform to cancel the loan after the loan application is submitted halfway.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

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 loans, discounts, overdrafts and other borrowing funds.

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 "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

Loan security is the primary problem faced by commercial banks;

Liquidity refers to the ability to recover the loan according to the predetermined time limit or realize it quickly without loss to meet the needs of customers to withdraw deposits at any time;

Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.

Repayment method:

1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;

4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

The online loan platform filled in the information but there was no loan.

The online loan platform filled in the information but there was no loan? It doesn't matter, and it won't make any difference. It's just that you'll get a lot of calls from telemarketers asking if you want a loan.

I have submitted the payment application materials at Guangdong Rural Credit Bank. Why is there no application in i query?

If you are a rural credit cooperative on your mobile phone, he has no application record of this loan type.

If the rural credit cooperative on your mobile phone doesn't have an application record at first, it means that you didn't apply for a loan, which is a good thing and won't damage your personal information. If you want a loan, you can re-select the loan type and re-apply. If there is no record, you have not applied for this, and it is not a big problem. You can also contact the bank and ask related questions.

Does it affect me to fill in the application quota on multiple online lending platforms but not lend?

It will have an impact. Let's distinguish online loans first. Some online loans are for credit reporting, some are not for credit reporting, and all of them are big data.

Let's not talk about credit. At present, the data made by the People's Bank of China and various financial institutions are authoritative. If the online loan you registered has a credit report, I'm sorry, but your credit report will be invalid. Because after you register online lending, online lending will help you check your loan amount. You need to authorize the corresponding platform for others to check your credit, so that the fourth paragraph of your credit report will leave a record of "loan approval".

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1. What do you mean by frequently querying records?

Quite simply, it means that you are short of money. Banks are profit-making organizations, which will only add icing on the cake to you, but can't help you in time. Therefore, too many credit inquiry records correspond to the third part of your credit report-the details of credit transaction information (because you are only registered and have no money, so the credit report does not show that you have used the loan), which will make the next institution that approves your loan think that your previous loan application has not passed, and they don't know that you are only registered, so they will learn about the previous loan.

2. Taking online lending as an example, it is actually the same. Online lending will also record the loan application on your big data report. Although online lending has lower approval requirements than banks, not all risky customers can lend you money. They will also reject your loan application with the same risk control thinking.

Under normal circumstances, banks have the requirement of inquiring records when approving loans. For example, it is required to record no more than three loan applications in the last three months, or no more than eight loan applications in the last six months. Every bank has different requirements in different regions, so you should cherish your credit. When you don't need a loan, don't go to the loan platform to check your quota to satisfy your curiosity.

3. What if the credit has been spent?

Do nothing, just wait for the credit report to recover slowly.

4. How long will it take?

Generally speaking, the bank's inquiry record requirement for credit report is half a year, so generally speaking, after half a year, the credit will return to normal.

What should I do if I fill out a bank loan and fingerprint it, but the loan is unsuccessful?

In this case, you can go directly to the lender and communicate with him to see what is wrong. See if there is a good solution. In general, he will tell you the reason why the loan is unsuccessful. At this time, remedies can be made according to the actual situation.

In addition, what needs to be determined is whether your lending institution is formal. Under normal circumstances, if the bank informs the customer to sign at the outlet, it really means that the loan applied by the customer has been approved. After that, as long as the customer signs the contract and goes through the relevant formalities at the outlet within the agreed time, the bank will immediately lend money. Of course, if customers don't go to outlets to sign loan contracts, banks will naturally not issue loan funds. Therefore, after receiving the notice from the bank, customers must go to the outlets for face-to-face interviews in time. It should be noted that the borrower must handle the loan contract in person and cannot entrust others to handle it. If the customer can't sign at the outlet within a short time after receiving the notice from the bank, in order not to affect the loan, it is suggested to contact the bank to explain the situation and see if the time for face-to-face signing can be delayed. It may take about one to two weeks from the bank's notice and signing the contract, to the customer's signing the contract at the outlet and handling the relevant procedures, and then to the loan funds, which can not be completed immediately.

So, I think you should check whether you have been cheated. Whether an electronic contract is valid depends on whether it meets the following two conditions: 1, the parties to the contract have been authenticated by their real names, and 2, it is a reliable electronic signature recognized according to the Electronic Signature Law. Satisfying the above two conditions, the electronic contract has the same legal effect as the handwritten signature of the paper contract. According to the provisions of Articles 5 to 8 of the Electronic Signature Law, electronic contracts that lock the true identity of the signer, effectively prevent document tampering and accurately record the signing time are legally recognized. Through the third-party electronic contract platform, electronic contracts signed with reliable electronic signatures are legal and effective.

This is the end of the introduction about filling in the loan information and not applying for loan after filling in the loan information. I wonder if you have found the information you need?