Possibly, the loan contract stipulates that loan funds are prohibited from flowing to high-risk areas such as real estate, stocks, gambling and investment.
After issuing a loan, the general bank may ask the customer to provide a proof of consumption to ensure that your loan will not be used for illegal purposes. If it cannot be provided, it is likely that the loan will be recovered in advance. In the process of economic development, sometimes the economy will overheat. After a high level of inflation, most policymakers will tighten monetary policy and limit the scale of loans or the direction of industries. At this time, a large amount of funds will need to be returned to the bank, and the bank has to choose to stop or recover some loans that have been issued in advance because of the reduction in loan scale or the limited loan direction.
Is the loan packaging company reliable? It is said that you can get a loan.
"Loan packaging" means that some customers are not qualified, or their credit information is not good, so they can't get the loan, so they package it and lend the money. Is to package your personal information from the beginning, including work unit, address, part, landline, home address, credit information and so on. It's like a different person, except your name, of course. So many small loans, intermediaries, etc. It will package customers and cheat customers under the guise of successful loan package and high quota. Packaging customers are dangerous. All packaging customers pay first, and even if the loan is unsuccessful, there will be no refund in the end.
"Loan packaging" is a kind of loan fraud. Once it is finally discovered, you may have to bear certain legal responsibilities. The borrowing company has the right to sue you and the packaging company, so it is best not to touch the law.
So don't believe the advertisements of those companies casually. First of all, we are not professional lawyers, so we can't confirm whether the contract is legal and reasonable. Secondly, if you modify the information in the loan package, it will involve crimes, and it is very likely that you will bear criminal responsibility. At this time, even if you find yourself cheated by the packaging company, you dare not call the police to fight for your rights.
Does the black household loan need to be borne by the intermediary?
Need. The so-called black-door loans are generally not available in banks. At present, there are many small loan companies in the society, and private lending is not strict with credit reporting requirements. The intermediary who handles the Black Gate loan takes advantage of this loophole, packages it according to your personal information, and then submits it to this small loan company with no strict or no credit requirements. If approved, they will withdraw at least half of the loan amount in return. The probability is very small. After all, for black households, credit reporting is a serious injury, and now few credit companies directly approve funds without looking at credit reporting. Even if some intermediary companies help you borrow money, you still need the lender to pay it back, otherwise the loan company will go to your hometown to investigate and so on. Generally speaking, the intermediary will borrow money from several folk credit companies. If you don't repay the loan, several credit companies will unite, and you may go to jail for committing a crime. So please think twice.
I got a loan packaged by an intermediary company. Did I break the law?
If the other party is suspected of fraud, I suggest you call the police in time and wait patiently for the police investigation results. In case of subsequent disputes, you can entrust a lawyer to intervene to protect your legitimate rights and interests to the greatest extent. Those who participate in crimes such as credit cards, fraudulent loans and false invoices shall be investigated for criminal responsibility.
"the Supreme People's Court's Opinions on Several Issues Concerning the Implementation of the General Principles of the Civil Law of People's Republic of China (PRC) (Trial)" stipulates in Article 68:
"If one party intentionally informs the other party of false information, or intentionally conceals real information to induce the other party to make a wrong expression of intention, it can be considered as fraud." According to this provision, the crime of fraud must meet the following conditions:
First, the fraudster has the intention to cheat. The so-called intentional fraud refers to a psychological state in which the fraudster wisely informs the other party that the situation is false, which will make the deceived person fall into wrong understanding and hope or let this result happen.
Second, fraudsters commit fraud. The so-called fraud refers to the act of fraudsters deliberately concealing facts or telling false information through language, words or activities. Including fabricating, changing and concealing facts to make the deceived fall into mistakes, deepen mistakes and keep mistakes.
Third, the victim's mistake is based on the swindler's fraud, that is, the victim fell into the mistake not because of his own negligence, but because of fraud. The mistake here refers to the lack of understanding of the main contents of the contract by the parties.
If the deceived person does not fall into a mistake, even if the fraudster has the intention and behavior of fraud, the legal consequences of fraud will not occur. At the same time, there is a causal relationship between fraud and falling into mistakes.
Fourth, the deceived person expressed some meaning because of his misunderstanding. The so-called expression of will refers to the act of expressing the thinker's intention to establish a legal act externally. When a fraudster expresses his will, he thinks it is his true will, which will cause the expected legal consequences. In fact, because of fraud, it means that the expected legal consequences will not happen.
In addition, fraud must violate laws and regulations and the principle of good faith. It is beneficial to society and others, and good faith fraud does not constitute fraud.
Extended data
The elements of fraud include:
(1) One party must have the intention of fraud. The so-called fraudulent intention refers to the subjective attitude of the fraudster who knows that his fraudulent behavior will make the deceived fall into a wrong understanding, hoping or letting this result happen.
(2) The fraudster has committed fraud. Fraud generally includes deliberately telling false information and deliberately concealing true information.
(3) The deceived party was wrongly judged for fraud. In other words, there is a considerable causal relationship between fraud and misjudgment results.
(4) The fraudster expresses his will based on wrong judgment.
The victim's misunderstanding of the victim due to fraud is not due to his own negligence, but to the fraud of fraudsters. The so-called mistakes refer to the defects in understanding the contents of the contract and other important situations.
The fraudster wrongly expressed his will, which means that the thinker expressed his intention to establish a legal act (Wang Liming's New Civil Law, Volume I, p. 376).
It can be seen that the expression of will is a kind of behavior, and it is the behavior of dreamers to express their psychological state externally. It consists of three elements, namely effective meaning, expressive behavior and expressive meaning.
The signifier and the signified hope to make the content they express legally effective, that is, effective meaning; The way to express the inner meaning of the actor, that is, to express the behavior; To express external meaning by expressing behavior is to express meaning.
The principle of good faith is the most basic principle of civil law, which requires the parties to exercise their rights and perform their obligations in a good, honest and conscious way. This principle is stipulated to balance the interests between the parties and society.
Fraud: make the other party have a wrong understanding, which is caused by the fraud of the actor; Even if the other party has some misjudgments, it does not prevent the fraud from being established.