The cancellation of online loans means that it has been settled. After the loan is paid off, you still have to issue a settlement certificate, because this is the proof that you have paid off all the debts, so you can open as much as you can.

1. How to cancel the online loan account?

Open the APP directly and see if there is a logout function in the account settings. If so, click logout. No one can contact the platform customer service and ask it to help cancel. If the platform has no logout function, you can also ask the customer service to freeze your account, so that your account can no longer be used, and you don't have to worry about others stealing your personal information. However, I would like to remind you that before canceling the account, you must unbind the bank card. Uninstalling the APP is not a cancellation, because your information is still on the online loan platform. If you don't cancel the online loan, it may cause information leakage. Many people know that when online loans are borrowed, the platform will ask for information such as ID card, bank card and mobile phone number. Once filled in, this information will be leaked. Even if there is no loan demand now, the platform may call you or send a message, which will affect your normal life. It is possible that you will continue to be called for debt. You have clearly paid off your debts, and there is a call for debt collection. In fact, this may also be related to the fact that the online loan account has not been cancelled. Therefore, after the online loan is paid off, it is best to close the account.

Second, what will happen if the online loan does not pay back the money?

If you can't afford it, first determine a repayment order. The first thing to do is to check your credit report. If you go back to the credit platform first, not later, you must stop online lending in time. For platforms with an annual interest rate of more than 36%, you can discuss with the other party. More than 36% of the platforms do not meet the national regulations and belong to usury. You only pay 36% of the interest and principal. Many platforms' interest plus various service fees can reach an annual interest rate of 80% and 90%, which is illegal. You can negotiate with the online lending platform to only repay the principal.

At present, there are many scams about "cancellation of online loan accounts" on the Internet. Liars cheat money with various routines. For example, not canceling the online loan account will affect personal credit information. So, be careful when you meet similar people. Even if the other party tells you your identity information, don't believe it easily, let alone transfer money to the other party. It is recommended to check the specific situation first.

Do I need to cancel after the online loan is paid off?

Generally, you can't cancel the account number and ID card information, but only unbind the relevant bank card. Just pay it off, as long as there is no serious overdue record, it will not affect normal life.

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.

From 2065438 to September 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Lending Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support the operating P2P online lending institutions to access the credit information system.

Extended data:

Loan agreement terms

Article 10 of the Supreme People's Court's Opinions on the Trial of Lending Cases by People's Courts: A loan relationship formed by one party by fraud, coercion or taking advantage of others' danger in violation of its true meaning shall be deemed invalid.

Article 11 of the Supreme People's Court's Opinions on People's Courts Handling Lending Cases: Lenders know that borrowers borrow money for illegal activities, and their lending relationship is not protected.

Provisions on providing guarantee for loans

Article 198 of the Contract Law stipulates that when concluding a loan contract, the lender may require the borrower to provide a guarantee. The guarantee shall comply with the provisions of the Guarantee Law of People's Republic of China (PRC).

Article 13 of the Supreme People's Court's Opinions on People's Courts Handling Loan Cases: In the loan relationship, the person who only plays the role of contact and introduction does not assume the guarantee responsibility. If there is a real intention to guarantee the performance of the debt, it shall be recognized as a guarantor and bear the guarantee responsibility.

Article 2 1 1 of the Contract Law: "If there is no agreement or unclear agreement on the payment of interest in the loan contract between natural persons, it shall be deemed as non-payment. If the loan contract between natural persons stipulates the payment of interest, the loan interest rate shall not violate the relevant provisions of the state on limiting the loan interest rate. "

Article 6 of the Supreme People's Court's Opinions on People's Courts Handling Lending Cases: "The interest rate of private lending can be appropriately higher than that of banks, and the local people's courts can specifically grasp it according to the actual situation in the region, but the maximum interest rate shall not exceed four times (including interest rate) of similar loans of banks. Beyond this limit, the excess interest will not be protected. "

Chapter 23 "Intermediary Contract" of the Contract Law clearly stipulates that an intermediary can provide intermediary services concluded in a loan contract and collect corresponding remuneration from the principal according to law. Therefore, the existence of loan service institutions and the collection of service fees are in line with the law and protected by law.

Baidu encyclopedia-online loan

What should I pay attention to after the online loan is over?

The two things to do after the online loan is paid off are very simple. One is to open a loan settlement certificate, and the other is to cancel the online loan account.

1, loan settlement voucher

The purpose is not to affect the handling of bank-related credit business in the future, especially for friends who apply for credit information on online loans and have the need to buy a house and a car. It must be done. There are two ways to open loan settlement vouchers:

One is to log in to the online loan platform account, click on the loan to see if there is an electronic version of the loan settlement certificate, and if so, download it to the mobile phone for storage.

One is to call the online loan platform service hotline, contact customer service and ask them to help issue the online loan settlement certificate. If it is an electronic version, let them send it to their mailbox, if it is a paper version, let them mail it to their address.

2. Cancel the online loan account.

Personal information, including ID card, bank card, mobile phone number, etc. , must be filled in when lending on the online lending platform. Once filled in, the possibility of information leakage is inevitable, so remember to cancel the account after paying off the loan.

You can log in to the online loan APP to see if there is any account cancellation function in the settings. If yes, click Cancel directly. If not, call the customer service of the online loan platform and ask them to help cancel the account. Remember to unbind the bank card before closing the account.

However, some online loans may not mention the service of suppliers and customers. In this case, the customer service can freeze the account after unbinding the bank card.

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".