Usually, it is not that simple to apply for a loan in a bank. It is necessary for the borrower to personally sign and confirm on the spot, and submit various materials. Only when all the conditions of bank loan are met will the bank give you a loan. Moreover, the loan should be repaid according to the contract, and there should be no overdue.
The application materials submitted by the borrower when handling the loan include personal valid identity documents, bank accounts in the last six months, credit reports, work certificates, loan application forms, etc. When making a loan, users need to submit other certificates according to different loan types, and the specific application materials can be consulted with the bank.
When making loans, banks provide borrowers with different repayment methods, such as average capital, equal principal and interest, interest before capital, and one-time repayment of principal and interest. -Generally, you can choose one of average capital and equal principal and interest when handling medium and long-term loans, and you can choose to repay interest first and then principal or-repay principal and interest twice for short-term loans.
First, what should I do if I am forced to pay?
1. The cardholder will return the funds in the original way. In the case of compulsory lending by the platform, as long as the lending relationship between the two parties is not established, then the other party cannot defraud interest.
2. The cardholder can report the case to the public security organ. If it is an online loan, it is unreasonable for the other party to force the loan without asking for it.
3. The cardholder can cancel the bank card bound to the platform. If the user applies for account cancellation before the loan arrives, but the other party still forces the loan, it is not compliant.
4. The cardholder can keep all these irregular and unreasonable evidences for future use in case of disputes.