When applying for an enterprise loan, you need to provide proof materials stamped with the special seal of the company contract. At this time, it is valid as long as it is stamped, and no legal person signature is required. If you are afraid that there is a problem with the seal, you can ask the legal representative to sign the loan contract. Generally speaking, after the loan contract is signed, it can take effect with the seal of the company and the signature of the legal representative or authorized representative, and shareholders do not need to sign the loan contract.

If the repayment ability is insufficient, you can take the initiative to contact the lending institution to see if you can apply for an extension. If not, see if the company has unsecured assets that can be mortgaged for turnover. If you have the ability to pay back, you will not only receive credit information, but also be sued, which will have a great impact on the company.

The embodiment of the legal binding force of the contract: it should be the coercive force given to the parties by law, that is, if the parties violate the contents of the contract, they will have corresponding legal consequences, including bearing corresponding legal responsibilities. Binding force is a compulsory state, which the parties must or must not do. Binding force comes from laws, moral norms or people's conscious consciousness. Of course, it comes from the legal binding force of law, which has the most striking binding force on human behavior.

The binding force of this contract is mainly as follows:

1. The parties shall not change or terminate the contract without authorization;

2. The parties shall perform their contractual obligations in accordance with the contract;

3. The parties shall perform some obligations other than the contract according to the principle of good faith, such as completing the approval and registration procedures of the contract to make the contract effective.

4. From the date of establishment, all parties to the contract shall be bound by the contract;

5. If the situation changes and it is necessary to change or terminate the contract, it shall be settled through consultation, and neither party may change or terminate the contract without authorization;

6. Except in cases stipulated by law such as force majeure, if the parties fail to perform their contractual obligations or the performance of contractual obligations is not in conformity with the agreement, they shall bear the liability for breach of contract;

7. A contract is a legal document. When there is a contract dispute between the parties, the contract is the basis for resolving the dispute. Contracts established according to law are protected by law.