Legal analysis: If the loan has not been released at the time of loan, the loan can be cancelled. If a contract is signed, but the loan is not repaid, it will be regarded as early repayment and the liquidated damages will be paid according to the contract.

1. This breach of contract is recorded in the personal credit record;

2. The expenses incurred at the initial stage of the loan will not be refunded or supplemented;

3. It is necessary to inform the bank of the reasons for not accepting loans;

4. Sign an prepayment contract with the bank;

5. Pay a certain penalty;

6. It has a certain impact on future loan applications.

The loan was approved and I don't want to use the money. If I can cancel the loan before signing the contract, it will be regarded as giving up the loan automatically.

1. No fine is required;

2. Pretreatment fees will not be refunded or supplemented;

3. It will affect re-applying for bank loans in the future;

4. It is suggested to inform the bank in advance and explain the reasons why no loan is needed.

Legal basis: Provisions on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases.

Article 1 The term "private lending" as mentioned in these Provisions refers to the financing behavior between natural persons, legal persons and unincorporated organizations. These Provisions shall not apply to financial institutions and their branches established with the approval of the financial supervision department and engaged in loan business, which are triggered by the issuance of loans and other related financial businesses.

Article 2 When a lender brings a private lending lawsuit to the people's court, it shall provide creditor's rights certificates such as IOUs, receipts, IOUs, and other evidence that can prove the existence of the legal relationship between lending and borrowing. If the creditor's rights certificate such as IOUs, receipts and IOUs held by the parties does not specify the creditor, and the party holding the creditor's rights certificate brings a private lending lawsuit, the people's court shall accept it. The defendant raised a factual defense against the plaintiff's creditor qualification, and the people's court ruled that the plaintiff did not have the creditor qualification after examination, and rejected it.

Article 24 If the borrower and the lender have not agreed on interest, and the lender claims to pay interest, the people will not support it. The interest agreement between natural persons is not clear, and if the lender advocates paying interest, the people will not support it. Except for the loan between natural persons, if the agreement on the loan interest between the borrower and the lender is unclear, and the lender claims interest, the people shall determine the interest according to the contents of the private loan contract and the local or the parties' trading methods, trading habits, market quotation and other factors.

Article 25 If the lender requires the borrower to pay interest at the interest rate agreed in the contract, the people shall support it, except that the interest rate agreed by both parties exceeds four times the listed interest rate in the one-year loan market at the time of the establishment of the contract. The "one-year loan market quotation" mentioned in the preceding paragraph refers to the one-year loan market quotation issued monthly by the National Interbank Funding Center authorized by the People's Bank of China from August 20th, 20th, 20th19th.

Being cheated by a training institution, how can I cancel the loan? The training institution said it would wait for the loan to be issued?

As follows:

1. Education loans should not be self-operated by educational institutions. Educational institutions should let you apply for a loan and then use the loan for your own business. So this case actually involves the relationship between you, educational institutions and loan companies.

First of all, it is a loan contract for you and the loan company. For the loan company, the loan contract between you and the other party has been established and taken effect. You are the other party to the contract. You can't cancel the contract with the loan company because the educational institution breaches the contract, otherwise the loan company has the right to investigate your liability for breach of contract.

3. Of course, in the above situation, if you have a great misunderstanding about the nature of the education loan and the important contents of the repayment requirements when you conclude the contract, you can also actively provide evidence to apply for the termination of the contract.

For you and educational institutions, you should have a service contract relationship with them. In the process of providing services for you, they conceal the truth or fabricate facts to let you apply for a loan, which infringes on your legitimate rights and interests and constitutes a breach of contract. You can put them in charge

At the same time, if the education loan is really self-operated by the educational institution, the other party will "fool" you into applying for the loan. If there is fraud, you can cancel the contract with it on this ground, or you can ask the other party to compensate for the losses.

suggestion

1. Explain the situation to the educational institution and ask it to take responsibility and compensate you for the losses caused by signing the loan contract.

2. For the loan contract, if the loan company and the educational institution are not the same, or they collude maliciously, they can only choose to continue to perform it, and they can ask the educational institution to bear the losses afterwards.

Of course, you really don't want to fulfill the loan contract. You can take the initiative to collect evidence that you had a major misunderstanding and ask for the termination of the contract. It is difficult to collect such evidence in practice.

4. Keep evidence such as agreements with educational institutions.

5. If there is any dispute, you can give evidence actively.

Can the loan from the training institution be revoked?

1. The training institution has signed a loan agreement with the lending institution, and both parties shall perform it according to the agreement;

2. Being cheated by the training institution and not known by the third-party lending institution, the loan contract cannot be terminated with the third-party lending institution; If a third person knows about it, he may claim to cancel it;

3. If the loan contract with the third party is terminated, you may request to terminate the loan agreement;

4. The training institution is suspected of fabricating facts to defraud property for the purpose of illegal possession;

This is the end of the introduction on how to get training institutions to cancel loans and how to cancel loans signed with training institutions. I wonder if you have found the information you need?