Legal analysis: If the information is taken away by criminals or people with ulterior motives and a loan is implemented, it needs to be repaid, but the loss can be applied to the bank for relevant compensation. However, if the parties maliciously cause information loss and want to escape certain obligations, the bank has no obligation to compensate. When handling the loan, the borrower must be 18 years old and have full capacity for civil conduct; Submit the bank's running water for the last six months; The borrower has good credit information. ; The above are the basic requirements for handling loans, and different loan types need different loan materials. After a bank handles a loan, it will generally decide the repayment method according to the type of the loan. Common repayment methods include matching principal and interest, average capital, one-time repayment of principal and interest, monthly repayment of interest and finally repayment of principal. Generally, when the loan amount is relatively large, the repayment method of average capital and equal principal and interest will be adopted; If the loan amount is relatively small, generally choose a one-time repayment of principal and interest.

Legal basis: general rules of loans

Article 3 The issuance and use of loans shall comply with national laws, administrative regulations and management regulations issued by the People's Bank of China, and follow the principles of efficiency, safety and liquidity.

Article 4 Lending activities of borrowers and lenders shall follow the principles of equality, voluntariness, fairness, honesty and credibility.

Article 5 Lenders shall follow the principles of fair competition and close cooperation when conducting loan business, and shall not engage in unfair competition. Article 6 The People's Bank of China and its branches are the supervisory organs for implementing the general principles of loans.