Of course. The bank loan can be cancelled before the face-to-face signing. At this time, the loan relationship has not been formally established. At this time, you can cancel the loan. However, if a face-to-face contract has been signed, the loan and repayment must be carried out in accordance with the contract. At this time, the lender wants to cancel the contract, which is a unilateral breach of contract and needs to pay a certain penalty to the bank. The borrower only needs to contact the loan account manager and apply for cancellation of the loan.