I don't want to use it after applying for online loans. If I want to cancel it, I want to divide it into different situations:
1, Not Approved or Being Approved: If you only submit loan information, but not approved or being approved, you can contact customer service to cancel the loan application. It can usually be cancelled.
2. Has the loan been approved? If the loan has been approved, but the loan has not been repaid, the user can also contact customer service to cancel the loan, and as long as the money has not arrived, it can be recovered.
3. Paid: The loan is already being paid or received, so it cannot be cancelled.
For more information on how to cancel the online loan after application, please visit: See More.
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.
How to withdraw the loan application? There are conditions for canceling the application!
; ? In daily life, many people will encounter financial problems. Besides borrowing money from relatives and friends, the most convenient and quick way is to borrow money. However, loans are risky. Once the application is submitted, there is still a chance to withdraw it. Under what circumstances can I cancel the loan application? Let's get to know each other.
1. How to withdraw the loan application?
1. The application materials were not approved.
If the borrower's application materials have not yet entered the review process, in this case, the loan application can generally be cancelled. For the specific process, please consult the platform customer service. The contact information of customer service is generally available in the help bar of the system, or you can call the customer service hotline.
2. The application materials are under review.
If the application materials submitted by the borrower are under review, whether the loan application can be cancelled depends on the loan type applied. However, at this stage, you can usually contact customer service to help you cancel the loan application.
Two, under what circumstances can not withdraw the loan application?
1. The loan is in progress.
Loans in the process of lending, generally faster, only a few days. Once it is determined that it is a loan, whether it can be successful depends on the handling of the lending institution. It is difficult to cancel the application at this stage, and most organizations are unable to operate.
2. The loan has been made.
If the loan has been paid or received, the transaction is successful by default, and it is impossible to apply for cancellation of the loan. Even if you don't use this loan, you still need to pay the handling fee and interest.
In short, everyone must think clearly before lending. Once an application is submitted, it is usually difficult to withdraw it.
My loan has been released, but now I regret it. What should I do?
Just contact the loan bank to apply for a refund. Generally, it is necessary to pay part of the liquidated damages and confirm with the lending bank.
Process for handling bank loans: 1. The borrower applies for a loan; 2. Prepare loan related materials; 3. Customer manager loan survey; 4. Bank approval; 5. Both parties sign a loan contract; 6. Implement mortgage, pledge, unsecured contract or other guarantee contract; 7. Bank loans; 8. Post-loan management; 9. Repay the principal and interest when the loan is due.
First, it can be divided into two loan methods.
1, bank loan.
If the borrower applies for a loan in the bank according to the normal process, it can be refunded. After the loan is approved, there will be an iou. As long as the borrower does not sign, the loan will be suspended and then the loan can be repaid. If the loan amount applied by the borrower comes down, the borrower can only make preparations for early repayment, but some banks need a one-year period, otherwise there will be liquidated damages and handling fees.
2. Online lending platform loans.
Online loan platform application is generally relatively simple. As long as the audit is passed, the salary will be paid immediately. It is relatively easy to cancel at this time. You can also try to contact customer service for negotiation. At this time, canceling the loan may affect your credit and may result in a certain penalty. However, if the loan has been paid in place, it will be more troublesome for the lender to apply for repayment. At this time, the lender can only make early repayment, but will pay a certain penalty or handling fee. Moreover, some platforms will refuse to repay in advance and can only repay on the repayment date, so you must ask the customer service carefully before using it to learn more about the loan application.
2. If the personal loan handled by China Merchants Bank has been released, the loan cannot be cancelled.
If the contract stipulates that you can apply for "prepayment", you can apply for "prepayment" at the handling bank or local post-loan service center. Different branches have different regulations on "prepayment" (such as time, amount, whether there is penalty, etc.). ). You can check your loan contract or directly contact the loan handling bank or the post-loan service center for confirmation.