Now in this society, all kinds of loan businesses are flying all over the sky, but for many friends, loans still need careful consideration. So if you suddenly change your decision after submitting the loan application, and the loan application is passed, can you get a refund? How to return it? Let's explain it in detail.
I. Bank loans
(1) If you apply for a loan according to the normal process, you can return it. After the loan is approved, there will be an iou. As long as you don't sign, the loan will be suspended and you can apply for a refund.
(2) But if the loan amount has already come down, you can only make preparations for prepayment.
However, it will take a whole year.
Otherwise, there will be liquidated damages and handling fees.
Second, the loan company
(1) General loan companies can apply for a refund. As soon as it is approved, it will pay immediately. It will be troublesome to cancel at this time, but you can also try to contact the account manager or customer service to negotiate. Cancelling the loan at this time may have an impact on your credit information and may result in a certain penalty.
(2) However, if the loan has been paid in place, it will be more troublesome for the lender to apply for repayment again. At this time, the lender can only repay in advance, but there will be a certain loan record, and it may also be reported to the credit bureau. Moreover, some lending institutions will also agree to cancel the loan, but there will be certain liquidated damages and handling fees.
In short, after the loan application is approved, it is not easy to cancel. Light will delay your precious time, pay liquidated damages and handling fees, and heavy will produce credit records. Bad records in credit records may affect future economic life. To put it simply, if you have a record of canceling the loan once, it is likely that the next loan repayment will not be easy. So everyone must think twice before applying for a loan.
Can the hospital repay the principal if it has the money to repay the medical loan in advance?
If the loan has been repaid in advance by installments, the hospital can't return the principal to you because you have already spent it successfully.
It is useless to use the installment medical beauty loan of Baiqian Finance. Can I get a refund?
If it is returned within 15 days, there will be no interest and no other fees. Call customer service 400 to apply, it's very simple.
What if the installment loan of dermatology hospital is not refunded?
Dermatology hospital installment loan can be coordinated by both parties if it is not refunded. If you can't coordinate, you can complain. Complain to the local superior administration for industry and commerce, and put pressure on the local through the superior, and it will be answered and solved quickly. Installment loans are generally legal and effective, and cancellation needs to bear certain responsibilities. I suggest you negotiate with the lender first.
Can medical beauty staging be cancelled?
Of course. If you need to cancel installment or prepay, you need to apply for installment settlement. Unpaid installment principal and handling fee must be paid off in one lump sum, and prepayment is irrevocable. It is suggested to give priority to staging.
Legal basis:
People's Republic of China (PRC) Civil Code
Article 54 One party has the right to request a people's court or an arbitration institution to modify or terminate the following contracts:
(1) Due to a major misunderstanding;
(2) obviously unfair at the time of conclusion of the contract.
If one party leads the other party to conclude a contract against its true meaning by fraud, coercion or taking advantage of others' danger, the injured party has the right to request the people's court or arbitration institution to modify or cancel it.
The people's court or the arbitration institution shall not revoke the request of the parties.
Article 56 An invalid contract or a cancelled contract is not legally binding from the beginning. If part of the contract is invalid and does not affect the validity of other parts, the other parts are still valid.
Article 167 If the buyer who pays the price by installments accounts for one fifth of the total price, the seller may require the buyer to pay the whole price or terminate the contract.
If the seller terminates the contract, it may require the buyer to pay the royalties of the subject matter.
So much for the introduction of whether the medical installment loan can be refunded.