Banks are not easy to mess with. You may have to be investigated for legal responsibility for cheating others' money, but the bank is very dark, which is their own loophole. At that time, we will still talk about your problem. Now credit card problems and ATM problems abound, so be careful!

Second, how do real estate developers cheat loans from banks?

This is normal, and sometimes it becomes a means of financing for developers. In fact, the mortgage customer is the name of the developer's employee or boss. When the developer has money, he will return the bank loan and apply for cancellation of the mortgage for the record. However, as the market becomes more and more standardized, the cost of this kind of fake mortgage financing is getting higher and higher.

Third, the conditions for defrauding loans.

The crime of defrauding loans must meet the following conditions: 1. The actor has the subjective intention of deceiving financial institutions. It should be noted that the understanding of deception means should not be too broad, such as the actor fabricating false credit certificates, the use of funds, the value of collateral and other false materials. 2. Objectively defrauding loans or financial bills from financial institutions. Banks or other financial institutions only issue the conclusion that the amount of non-performing loans is formed, which should not be considered as the amount of major economic losses. 3. Causing huge losses to financial institutions. Article 175th of the Criminal Law, obtaining loans, bill acceptance, letters of credit, letters of guarantee, etc. Whoever defrauds a bank or other financial institution of funds and causes heavy losses to the bank or other financial institution shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention and shall also or only be fined; Whoever causes particularly heavy losses to banks or other financial institutions or has other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined. If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.