Obtain a certificate of no debt.

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You cannot cancel the loan after 14 days have passed. But you can repay it early.
For targeted loans (mortgages, car loans, etc.), the rules will be slightly different. What the borrower must do :

Submit a loan waiver application to the bank within 30 days of receiving it. Receive a positive response.
An apartment with the right of ownership cannot be returned. Therefore, it will need to be sold. The same actions will be required to return funds for a car loan.
Transfer loan funds and interest.
Obtain a certificate of no debt.


Sample loan waiver application
The nuances when filling out an application croatia whatsapp phone number may vary, but, as a rule, you must indicate :

name and address of the credit institution;
Client's full name;
contact details;
number and date of conclusion of the loan agreement;
the amount and interest rate of the loan.
It is better to find out all the rules for filling out the application from the bank where the loan was approved in order to save time and nerves.


This is what a loan waiver application looks like. Source: ru.myfin.by

The application should refer to the borrower's right to refuse a consumer loan within 14 days. You can also immediately request a certificate of no debt in the application.



How does loan refusal affect your credit history and the attitude of banks
Any refusal of a loan by a client will definitely be reflected in the credit history. In the future, banks will see this information and will not be able to ignore it. But if the situation with the refusal was a one-time one and ended without a trial, then it will be possible to take out a new loan without problems.

However, a specific bank may well put a client who refuses on an unofficial blacklist, which the borrower will never know about. To avoid problems, it is worth not hiding from bank employees, observing the terms of the agreement and acting within the law.

On topic. How can an individual entrepreneur with a bad credit history get a business loan?



Summary of the article
The easiest way is to refuse a loan before signing the agreement. An approved application does not impose any obligations on the client.
After receiving the funds, you can cancel the loan within 14 days (from a consumer loan) or within 30 days (from a targeted loan).
To refuse a loan after signing the agreement:
you need to write an application based on the type of loan;
transfer money and interest on the loan;
obtain confirmation of absence of debt.
A loan refusal, even at the stage of an approved application, will be reflected in your credit history.
After 14 or 30 days, you can get rid of the loan by repaying it early.