Is it safe to pay off the online loan, and what are the consequences after the online loan is paid o

If your online loan can be repaid, please repay the online loan first, and then apply for a settlement certificate, so that it proves that you have paid off all the online loans.

It depends on whether the loan is legal or not.

If your online loan has been paid off, let the online loan platform give you a settlement certificate, and that's it.

Proof of settlement. After the loan is fully settled, can it be completely ignored? There is one step you are missing that you have not done, and that is that the loan settlement certificate has not been issued.

It may seem like it doesn't have any effect, but it determines whether or not you get the title deed for your loan. If the lender is going to make a fuss about it. So, how to open a loan settlement certificate?

1. After the bank deducts the last month's loan, you can go to the bank to apply directly for the loan settlement certificate. This usually does not require people to make an appointment in advance (if it is a prepayment loan, some banks will require people to make an appointment in advance), you can go directly to the bank counter to settle it, or transfer the money into the borrowing account on time, and the bank will automatically transfer the money when it expires.

2. After the application is completed, the bank will present a loan settlement certificate, indicating that the loan has been settled long ago. When applying, bring your identity document, bank card, loan contract and proof of transfer in the last month, and when you go to the bank counter, it is best to find your account manager when you borrow, so that the application will be faster.

3. After the loan is settled, bring the bank's loan settlement certificate and the "Real Estate Other Rights Certification Materials" (some are deposited in the bank, some are in their own hands, if not, you can consult the bank), the original and copy of the identity certificate, and go to the local real estate transaction center (now they are usually collected in the local government service center to apply for processing) to apply for the cancellation of the mortgage loan (some places need the borrowing bank account manager to book and accompany him to apply, and the situation is different in different places). Please check with your local real estate exchange center and bank).

If you don't apply for mortgage revocation, not only will you not be able to get the house title certificate, but the house title is not your own, and you can't be listed, sold or processed. Under normal circumstances, you can apply for mortgage cancellation after the loan is settled.

4. Bring the mortgage loan cancellation procedures to the borrowing bank, find the account manager who borrowed at that time or go directly to the bank counter, and take the real estate registration certificate.

There are no consequences. The online loan has now been paid off, and there will be no impact at this time, and only the record of on-time repayment will be left in the credit report, which is a good credit record, and then directly ask the other party to give a certificate of loan settlement.

Summary. After all, online lending platforms belong to non-governmental organizations, and the degree of management norms is different from that of banks, after the loan is repaid, in order to protect their rights and interests, they must require the online lending platform to issue a loan settlement certificate.

Hello, I am a partner Mr. Chen, I have received your question, and the reply will take about 3 5 minutes

Ok thanks.

After the online loan borrowed by the platform is fully repaid, the online loan platform also needs to be required to issue a loan settlement certificate. The formalities are completed.

After all, the online loan platform belongs to a non-governmental organization, and the degree of management norms is different from that of the bank, after the loan is paid off, in order to protect its own rights and interests, Mo Wei must ask the online loan platform to issue a certificate of loan settlement code.

Will I repay loans like Meituan Loan and Didi Loan, they show that I haven't repaid it.

Obtaining proof of loan settlement is crucial. We must not think that those who pay off their arrears will be judged to be bad luck in everything. Because of the chaotic management of some online lending platforms, it often happens that the loan is paid off and part of it is required to be repaid after a few years.

What to do. Meituan Loan and Didi Loan are relatively standardized online loan platforms, but it is not excluded that you have repaid them, and they show that you have not returned to Li. Because it cannot be ruled out that the phenomenon of staff dereliction of duty or fraud cannot be ruled out.

If it's over, you won't give me a proof of settlement, right?

You need to ask the platform to issue a "loan settlement certificate" after paying off the loan, and with this settlement certificate, there is legal protection.

No, as long as you ask for it, they will open it to you. If you don't ask for it, they don't offer to give it.

Okay, thank you, I'll pay it back first, and when it's over, I'll contact you to issue a certificate immediately.

Yes, dear, the settlement certificate is a legal guarantee for oneself to pay off the loan. Just remember to do it.

First of all, if you fall into the trap of online loans, you must stay sober and understand what kind of trap it is, and then immediately stop the behavior of borrowing to support loans. If you continue to borrow money, it may not take a year, and your debt will roll over to the point that your whole family can't afford it, and then you will borrow too much, and no one will want to lend you any more, and you will have to start facing collection, and then everyone will know. So since you have to face it sooner or later, it's better to get out early, the sooner you get out, the less serious the consequences will be, this is absolute.

Second, don't be afraid. At most, online loans are only civil disputes, and the public security organs are not allowed to interfere in civil disputes. Unless you have the means to do so, the people's court will not arrest you, so you don't have to worry about who will arrest you.

There is no need to pay attention to anyone's threats, except that the people's court can determine that you have the ability to repay but refuse to repay and other bad circumstances, so that you have the right to judge you as a dishonest person subject to execution (lai) and restrict some of your high-consumption behaviors (taking airplanes, high-speed rail seats, children going to aristocratic schools, etc.). No one else has any right to restrict you.

Third, face the problem head-on and don't run away from it. Understand that this is normal, it's not a big deal, there are a lot of people in debt, as long as you go and find a way, there is always a way to solve it. Don't think about running away, let alone committing suicide, it's not that far.

If you don't want to face it yourself, how do you let your family face it? As long as the people are still there, everything else can be solved, if the people and money are empty, can you be willing?

Clause. Fourth, if you owe not a lot of debts at this time, it is good that you can solve it yourself, but you can't solve it yourself, you should confess to your relatives and friends, enlist their help, borrow or give, in short, pay off what should be repaid. You can go to the credit information center of the People's Bank of China in Chinese or Jun Xiaoxin service account to do a credit inquiry, which has detailed data on online loan history, online loan overdue details, current debts, etc., if you want to query, find this ***.

Fifth, if you have a huge debt and your family can't afford to pay it back, you have to think of something else. For example, you or your family members apply for a bank mortgage to raise money; Or scrape together enough money with friends and family. The purpose of this is to repay it slowly in the future, without having to bear too much interest, if you change to an online loan platform, you negotiate with them to repay it slowly, they will not agree, and even if you repay it slowly, can you afford their interest and overdue fees?

The bank and relatives and friends are much easier, the bank only needs to pay a low monthly interest, and then repay the principal later, and relatives and friends may not want your interest at all. So it's all something that can be paid back slowly. Another way is to sell the property, see if you have any excess property to sell, pay attention to the redundant.

If you don't get to the point where you have to sell your only home to pay off your online loan, don't bother with the idea.

After paying off, the online loan collection will no longer trouble you.

Online lending is risky, so you need to be cautious in borrowing, plan reasonably, control your desires, and don't fall into the abyss of your own desires.

After the online loan is paid off, will I say that I haven't paid it off?