What if the loan is deducted?

How to cancel the automatic deduction of online loans?

1, you can go to the counter. If you handle it at the counter, you can directly ask the staff to cancel the automatic deduction.

2. You can call customer service, select manual service and cancel automatic deduction.

3. You can cancel the bank card binding on the online loan platform.

4. You can log in to our online banking or mobile banking, enter your personal account and select "Fast Payment Management".

Online loan conditions

The basic requirements of online lending include: the applicant 18-55 years old, and his occupation cannot be a college student; The applicant has a certain ability to repay the principal and interest; The applicant has a good credit record and no bad credit record; The applicant completes the real-name authentication with the second-generation valid ID card, real-name mobile phone number and bank card.

After meeting the above basic conditions, users can basically apply for most online loans, but some online loans have special application requirements, such as having to complete credit card authentication and requiring users to have a credit card to apply.

The harm of peer-to-peer lending

1. The rates of some online lending platforms are unclear, and the expressions such as handling fees, overdue fees and liquidated damages are hidden. , may tightly lock the loan students. Once the repayment is overdue, college students are likely to be unable to bear the loss of funds, leading to a credit crisis that dominates consumption.

2. Due to the low threshold of online loan installment consumption, it provides a platform for college students to spend in advance and luxury consumption. However, many college students are heavily in debt because of impulsive consumption, which brings trouble to their normal study.

In case of overdue payment, it will affect the personal credit information of college students in the bank. Once you have a personal credit stain, you will have to pay more than others in the future, whether you apply for a credit card or a loan, and you may even be rejected. In addition, once these small online lending companies change, there are also hidden dangers of privacy information such as student ID cards and college student ID cards.

Disadvantages of peer-to-peer loans

1. Unsecured, with high interest rate and high risk. Compared with the traditional loan method, online loan is completely. Moreover, the central bank has repeatedly made it clear that the annual compound interest rate exceeds 4 times the bank interest rate and is not protected by law. It also increases the high risk of online lending (generally 7 times or even higher than the bank interest rate).

2. The inherent capital of the credit risk online lending platform is small, and it cannot undertake large-scale guarantee. Once there is a large-scale loan problem, it is difficult to solve it. Moreover, some borrowers also make loans for the purpose of fraudulent loans, while the founders of the loan platform have some ulterior motives, and cases of absconding with money also occur frequently.

3. Lack of effective supervision means Because online lending is a new type of financing means, the central bank and the China Banking Regulatory Commission have no clear laws and regulations to guide online lending. For online loans, the regulatory authorities are mainly neutral, do not violate the rules, and do not recognize them. However, with the prevalence of online lending, it is believed that relevant measures will be formulated and implemented in time.

What if the loan fails and the expenses are deducted? Teach you a few coping methods.

There are more and more loan platforms, so borrowers must carefully choose the platform when handling loans and clearly understand the cost of the platform. Most loan platforms will deduct fees only if the loan is successful, but some loans will also deduct fees if they fail. Then, what if the loan fails and the expenses are deducted? Here are some ways to deal with it.

What if the loan fails and the expenses are deducted?

There is no handling fee before the formal loan platform lends money. If the loan fails, the borrower will not deduct the fee, and only after the loan is successful will the money be deducted on the repayment date. However, some platforms do not have pre-lending fees, but they have paid members. If the lender opens a member himself and then borrows money, even if the loan fails, the fee will be deducted.

Moreover, as long as the platform is not a mandatory member, it is normal for the lender to agree to the default fee if it is voluntarily opened. As long as the loan platform does not declare that it is open to members, it will be able to make money, so there is no need to refund money. Therefore, borrowers should make clear the relationship between members and loans, and then decide whether to open members after thinking clearly.

It should be noted that some loan platform membership fees are charged at one time, and some are charged on a monthly or annual basis. In order to avoid further deduction, the borrower must cancel the membership service. After the expiration of membership service time, there will be no automatic deduction and renewal.

If you really want the loan platform to return the deducted money, you can try this:

1, directly contact the customer service of the loan platform, tell them that the loan failed, and ask them to refund the membership fee. Although it is unlikely, they may actually give a refund after at least trying the bottom.

2. Collect certificates that can prove that the platform is irregular, such as not having the qualification for lending. And complain to the regulatory authorities, such as the China Banking Regulatory Commission and major complaint websites. , and negotiate a refund with the other party when the platform actively contacts itself.

The above is the relevant introduction of "What to do if the loan deduction fails", and I hope it will help everyone.

How can banks deduct money when buying a house with a mortgage loan?

The mortgage is automatically deducted from the bank card every month.

1. You need to open a bank card of this bank. When applying for a loan, tell the bank this bank card account number, and the bank will bind it to a repayment account.

The bank will automatically deduct money from this account every month.

3, need to ensure that there is enough money in the bank card to deduct money.

4. The bank will only automatically deduct the money on the repayment date of each month. Either the deduction is successful or the deduction is unsuccessful. If it is unsuccessful, it will not be deducted until the next repayment date. Therefore, after saving the money, the bank will not deduct it immediately, and will not deduct it until the next repayment date. Overdue will affect credit, and there will be penalty interest.

Extended data:

After mortgage to buy a house, the repayment can be made in advance and the repayment period can be shortened. Details are as follows:

1. Repayment in full in advance: after the loan bank verifies that the relevant materials are correct, it will go through the formalities of prepayment in full.

2. Early repayment with the same loan term: the loan bank instructs the borrower to fill in the relevant agreement. If the original loan guarantee method is mortgage insurance and mortgage registration has not been done, you need to go to the insurance company designated by the city center to go through the formalities of reducing the insured amount with the original policy, your ID card and relevant agreements, and the final agreement should be sent to the corresponding sub-center by the loan bank in time.

3. Through contractual arrangements, it is forbidden to repay in advance within the agreed time limit, which is called lock-up period. The lock-up period is 2- 10 years. After the lock-up period, the guarantee of prepayment usually adopts other methods, such as prepayment penalty or rate of return maintenance fee.