1. First of all, don't think that you don't have to pay back the loan once it is written off, unless you don't have credit events (such as mortgage, car loan, credit card, going abroad, etc.). ) in the future.
After the bank loan is written off, it depends on how long ago you borrowed it. Loans written off in recent years can go to your loan branch to go through the relevant repayment procedures, and the loan information of previous years must go to the credit department of the head office. You can also go to your loan branch for consultation.
Second, how to repay? The bank was cancelled?
Only deal with the write-off of loans. After the cancellation, it does not mean that the lender will continue to retain the right of recourse as soon as it is written off. This is what we often call "record verification".
Third, how to repay after the bank writes off?
If the bank has written off the loan, the bank may require the borrower to continue to execute the written-off loan. Article 26 of the Administrative Measures for the Write-off of Financial Bad Debts stipulates: "Finance must establish an asset preservation and recovery system after the write-off of bad debts.
Except in the case that the creditor's rights and debts or the relationship with the debtor has been completely terminated according to laws and regulations, the finance department continues to reserve the right of recourse for the written-off bad debts, and continues to collect the written-off bad debts, off-balance sheet interest receivable and accrued interest after the write-off. "
Write-off of bad debts is only an internal accounting treatment of banks, which belongs to the "internal affairs" of banks. Under normal circumstances, it does not have the nature of foreign debt exemption, nor will it have the consequences of eliminating bad debts.
After the bad debts are written off, the bank should actively collect all the principal and interest of the lender, instead of fulfilling the repayment obligation.
4. Can I refund the credit card cancelled in different places?
Give it back if you have it.