1. If it is really unable to repay, it shall negotiate with the credit company to extend the repayment period or return it in installments. 2. If the credit company fails to perform the judgment within the performance period after winning the case, it will apply for enforcement. 3. When compulsory execution is accepted, the lender's property, vehicles, securities and deposits will be inquired according to law.
What will happen if the loan is approved and not used?
1, loan record
If the lending institution has been connected to the central bank's credit information center, then whether it is used or not, as long as the payment is approved successfully, the loan record will be left on the credit information.
Don't think that these records are irrelevant. If there are many credit records, it will have a certain impact. Because the credit record can reflect the applicant's subjective intention, loan amount and repayment willingness.
2. Long term loans
If the loan is not used and not settled, then the debt record will always be displayed on the credit information, which will have an impact on future credit information. This is an important message.
It is difficult to borrow money in the future.
If the loan has not been used for a long time, that is to say, it is not needed for the time being, then if you want to apply for the products of the same lending institution in the future, it may not be approved, because the main purpose of the loan is to collect interest. If some revolving loan lines are not used by borrowers without interest, then these lines may be recovered and given to borrowers who need them more.
Therefore, after the loan comes down, you should make the best use of it and apply for a suitable amount according to your own needs, which will not only accumulate credibility, but also alleviate the financial problem.
Extended data:
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.
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.
Loan channel
1. Traditional loans (also called offline loans) refer to loan applications submitted through banks in real life. )
Second, online loans (also known as online loans, which refer to online loans submitting applications) are P2P financial loans.
The establishment of P2P was born between fundraisers and investors. Compared with traditional loans, Internet finance can avoid risks such as illegal fund-raising, bad debts and running away. Internet finance has no fixed investment group, which can effectively solve the safety of platform operation and protect the interests of investors.
3. Mobile loan (refers to submitting a loan application through the mobile loan app, which is flexible and convenient anytime and anywhere)
Basic loan terms
Loan target: China citizens aged 18 to 60 with full capacity for civil conduct.
Loan amount: After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge amount, mortgage amount, guarantee amount or credit amount of the borrower. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating.
Guarantee method: mortgage, pledge, third-party guarantee or credit recognized by CCB.
Application materials to be provided:
(1) A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.
(2) the guarantor's credit certification materials.
(3) Collateral appraisal report issued by the socially recognized appraisal department.
(4) Other documents and materials as stipulated by the Construction Bank.
(5) Original and photocopy of the borrower's valid identity certificate.
(6) local permanent residence or valid residence identity certificate.
(7) The borrower shall produce the income certificate issued by the employer, the borrower's tax bill and insurance policy.
(8) The pledge right required for the borrower to obtain the pledge and the amount of mortgage, the list of collateral and ownership certificate, the written document of the owner and the property that someone agrees to pledge and mortgage.
(9) The borrower also needs to provide the bill for the hydropower property where the company is located and the bill for the hydropower property with personal address.
Will the rich e-loan of the rural commercial bank disappear if it is not used?
It doesn't matter whether the rural e-loan is used or not.
Personal advice:
For users who need to use loan products, some users may have obtained the credit line of e-loan from Nongshang, but because they don't need to use relevant loan products for the time being, users can choose not to apply for the next payment. To some extent, if users do not need to use loan products themselves, it is not recommended that users authorize their own credit lines, because such behavior will affect personal credit reporting and bring negative effects to their own credit reporting.
You can understand it this way: when a user applies for a related loan product, the bank will inquire about the user's personal credit information, and the inquiry record will also be reflected in a person's personal credit record. In this way, if a person frequently inquires about credit records, it is difficult for him to apply for a formal bank loan.
Rural commercial e-loan involves personal credit investigation:
Because the credit investigation will inevitably show too many loan records, although this is not a bad record of overdue payment. However, if you apply for credit business at a later stage, banks (lending institutions and platforms) will find that there are too many recent loan records on the customer's credit information, and they will worry that the customer's repayment ability is insufficient, and it may also lead to the customer's refusal to approve the loan because of long-term loans and excessive debts.
Do I need to apply for a loan? How to cancel it?
The expression is not clear. Loan approval means that after the loan is approved, there is still a signing process. Both online and offline formal loans need to be signed. So after the approval, if you think it is appropriate, you can sign the loan slip and use it. If it is not appropriate, you can not sign a contract, and you will not lend without signing a contract.
If you don't want to use the bank loan after receiving the account, you can also settle it in advance or contact customer service to cancel it. The former needs to pay attention to whether there is liquidated damages for prepayment. If there is no penalty, you can repay directly. If there is a penalty, you may have to pay more money besides the principal, and you need to weigh it yourself. The latter needs to contact customer service. If there is a penalty, you can jump directly to this step. Contact customer service and say that the loan has just been made, but it has not been released (even if it has been released). If the funds are transferred, please cancel them quickly. Whether this can be cancelled depends entirely on what you say and whether the customer service buys it.
Do I need to pay interest if the bank loan is approved?
There are two kinds of loans: consumer credit loans and cash loans. The loan has come down, do you want interest? Discuss the situation equally:
1. Consumer credit loans cannot be withdrawn, but can only be overdrawn, such as flower buds and white strips, which can be used without interest, unless they are overdue after use.
2. If you apply for a cash loan, you have to pay back the money in your card even if you don't use it. You have to repay part of the principal and interest every month according to the loan contract.
Extended data:
Consequences of overdue loans failing to repay the bank:
1. Generate penalty interest;
2. Produce bad credit records;
3. dunning by lending institutions;
4. Dispose of the assets of the borrower and guarantor;
If the circumstances are serious, you may go to jail.
note:
1. Bad credit records are recorded in personal credit information;
2. It usually takes five years to be eliminated;
3. Some serious cases can be postponed to ten years;
4. Some cases are very serious, and those with bad nature will enter the permanent blacklist.
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit.
Bank loans generally need to provide guarantees, house mortgages, income certificates and good personal credit information before they can apply. In different countries and different development periods of a country, the types of loans classified according to various standards are also different.
Credit conditions:
1. credit line: the credit line is the maximum amount that the borrower is allowed to borrow as stipulated in the agreement signed between the borrower and the bank.
2. Revolving credit agreement: Revolving credit agreement is a loan agreement that banks promise to provide enterprises with no more than a certain maximum amount according to law.
3. Compensatory balance: Compensatory balance refers to the minimum deposit balance that the bank requires the borrower to keep in the bank according to the loan limit or a certain proportion of the actual loan amount (generally 10% to 20%).
Loan interest: 20 15 years 10. The latest benchmark interest rate table for bank deposits and loans implemented on October 24th: 6 months (inclusive), 4.35% for one year (inclusive) and 4.75% for five years (inclusive). Note: The benchmark interest rate is set by the central bank, and the bank loan interest rate can fluctuate on this basis.