1, defrauding banks and other loans for the purpose of illegal possession. If the amount is relatively large, he will be sentenced to fixed-term imprisonment of not more than five years or criminal detention and fined not less than 20,000 yuan but not more than 200,000 yuan;
2. If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan;
3. If the amount is especially huge, he shall be sentenced to fixed-term imprisonment of not less than 10 years, or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his personal property shall be confiscated.
The conditions for handling auto loans are as follows:
1. Car buyers must be at least 18 years old and be China citizens with full civil capacity;
2. Car buyers must have a relatively stable job, a relatively stable economic income or assets that are easy to realize, in order to repay the loan principal and interest on schedule;
3. During the loan application period, the car buyer will deposit the down payment of the car purchase lower than that stipulated by the bank into the account of the bank savings counter;
4. Provide bank-approved guarantees to banks;
5. Car buyers are willing to accept other conditions deemed necessary by the bank.
(1) If the amount of loan fraud is more than 40,000 yuan but less than 50,000 yuan, it is determined that there are other serious circumstances under any of the following circumstances. If the loan fraud is 40,000 yuan, the benchmark punishment is five years in prison; For every 800 yuan increase, the sentence will be increased by one month; If there is any increase, the sentence will be increased by six months:
(1) Bribing a large amount of money to the staff of a bank or financial institution in order to defraud loans;
(2) squandering loans or using loans for illegal activities, resulting in loans that cannot be repaid at maturity.
Legal basis: People's Republic of China (PRC) Criminal Law.
Article 193 The crime of loan fraud involves defrauding a bank or other financial institution of a loan for the purpose of illegal possession under any of the following circumstances. If the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(a) fabricating false reasons such as introducing funds and projects;
(two) the use of false economic contracts;
(3) using false documents;
(four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral;
(5) obtaining loans by other means.