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.

The loan has been approved successfully. What should I do if I don't want it? Actually, it can be returned.

Before going to the bank to apply, the borrower needs to submit more loan application materials for the approval of the bank's departments. It will take some time for the bank to give the approval result. If the borrower gives up the loan for other reasons at this time, there will be some problems. The loan has been approved successfully. What should I do if I don't want it? Actually, you can return it!

The loan has been approved successfully. What should I do if I don't want it?

If the loan is approved successfully, it needs to be analyzed according to the specific situation. If the loan is approved successfully and the loan has not yet arrived, you can contact the manager or bank that helped you with the loan and ask the bank to stop lending, but there may be a certain penalty at this time.

After the loan is approved successfully, there is no way to cancel it. Users can only repay in accordance with the requirements of the contract, but borrowers can repay in advance, which can save interest expenses. However, some banks have certain restrictions on repaying loans in advance, such as not repaying loans in advance within one year after the loan.

In order to avoid unnecessary situations after the loan, users must know in detail whether they need a loan before handling the loan. Then apply for a loan from the bank. After the borrower submits the materials, the bank will conduct an audit, and after the audit is passed, the bank will lend money.

When applying for a loan in a bank, you must consult the bank in advance to find out the loan interest rate and loan conditions, and then choose the bank that suits you best. According to the loan type, the loan information will be different, but the repayment ability and good credit information are the most concerned by banks, and only users with strong repayment ability can get loans smoothly.

The above is the sharing of "I don't want the loan to be approved successfully". I hope it will help everyone!

Can I get a refund after the loan is approved?

The loan can be refunded after it is approved.

The loan application was approved. If no loan contract is signed, you can directly apply to the lending institution to cancel the loan application. The loan contract has been signed. If you don't want it, you can cancel the loan, but the user needs to pay a certain penalty. Users should carefully consider before applying for a loan, and try not to cancel the loan during the application process.

In addition, after the loan application is passed, some loans are automatically signed. At this point, the user who wants to cancel the loan application must take the initiative to contact the lending institution.

Loans 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 benchmark interest rate is a universal reference interest rate in the financial market, and other interest rate levels or financial asset prices can be determined according to this benchmark interest rate level. Benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the condition of interest rate marketization, financiers measure financing costs, investors calculate investment returns, and management regulates macroeconomics. Objectively, a universally recognized benchmark interest rate level is needed as a reference.

Therefore, in a sense, the benchmark interest rate is the core of the formation of interest rate marketization mechanism. Simply put, you usually deposit money in the bank and he gives you interest. The greater the benchmark interest rate, the more interest; The smaller the benchmark interest rate, the smaller the interest.

The interest-bearing settlement rules and methods for deposit and loan business formulated by national commercial banks as legal persons shall be reported to the head office of the People's Bank of China for the record, and the customers shall be informed; Regional commercial banks and urban credit cooperatives should be reported to the branches of the People's Bank of China and the central branch of the provincial capital for the record, and inform customers; County rural credit cooperatives as legal persons may, according to the actual situation of the county rural credit cooperatives, formulate the rules for interest calculation and settlement and the interest-bearing measures for deposit and loan business, and report them to the branch of the People's Bank of China and the central branch of the provincial capital for the record, and the rural credit cooperatives as legal persons shall notify the customers.

Can the bank loan be cancelled?

It is possible to cancel, but according to the actual situation.

1. If it is still in the bidding period, it can be cancelled directly.

2. If the application is passed but no formal loan contract is signed, it can be cancelled directly.

3. If the loan has passed the signed contract, it can only be cancelled after paying off all the loan amount.

Extended data:

What are the conditions for a bank loan?

You can only apply if you need to provide guarantee, house mortgage, or proof of income and personal credit information. Your property with a value of 654.38+00,000 cannot be used as collateral.

Because you can only mortgage the amount that does not exceed the value of the mortgaged house.

Lender's requirements:

1, natural person aged 18-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed).

2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.

3. The borrower's actual age and loan application period shall not exceed 70 years old.

For mortgage loans such as personal housing loans and personal housing provident fund loans, personal loan conditions require individuals to purchase their own houses as collateral.

Some banks also require effective assets as collateral, so they must go through mortgage registration and insurance procedures, and the insurance application form must indicate "the first beneficiary of the loan behavior".

Personal housing mortgage loan, the maximum loan amount does not exceed 70% of the value of collateral;

Personal commercial housing mortgage, the maximum loan amount shall not exceed 60% of the mortgaged property value.