When applying for a loan, the bank's review of personal data is very strict, and it does not rule out the situation that false work certificates are not found out, but this situation is rare; Once the applicant's information is confirmed to be false, not only can the applicant not apply for a loan, but it will also be included in the "blacklist" of the bank, and it will be very difficult to get a loan in the future.
This way of using false certificates to defraud loans has alleviated the economic pressure in a short time, but if the bank does not have the repayment ability, it will also recover the arrears and interest in the form of house auction and legal proceedings.