A loan is a service provided by a bank. For people with economic pressure, they can solve their own economic problems and postpone all kinds of troubles they encounter. Some people want to apply for a loan but don't want to go by themselves, so can they apply for a loan? Look at the information collected by Bian Xiao. Yes, but you'd better not do it for me. According to the current situation, if the loan is successful, the borrower only needs to go to the lending institution twice, which also effectively saves the borrower's time. Which two times do you need to go in person? The first time is to submit the application materials and fill out the loan application form. After the loan is approved, the borrower will go to the lending institution to sign the loan contract for the second time and wait for the loan. The reason why I need to go to these two times is because the borrower needs to sign and confirm, so I need to be present at both times. The reason why we can't sign on behalf of the borrower is mainly because the loan contract and loan application form have legal effect. Once they take effect, the borrower needs to repay the loan himself. If they can't repay the loan on time, they will bear the corresponding responsibility. Therefore, they can apply for loans on their behalf, but the necessary procedures for signing must be handled by themselves. Once I sign it, the loan contract will take effect legally. Can you act as an agent for buying a house loan? With the tightening of loan scale and the reduction of bank interest rate concessions, intermediaries have emerged to help people handle real estate mortgage loans and commercial loans. Intermediary companies can not only help lenders negotiate interest rates, but also shorten the lending time. In addition, they also provide some special businesses, such as issuing income certificates and secretly providing convenient channels for illegal businesses such as non-special loans. In fact, when the borrower is aware of the loan problem of bad intermediaries, it is still possible to get twice the result with half the effort when buying a house and entrusting loans correctly. The following are reasonable suggestions for the majority of property buyers: 1. When a guarantee institution provided by an intermediary is needed to provide a guarantee, the supervision department should be found to verify the charges and find out the moisture. 2. After the loan qualification is verified, the intermediary shall present the written audit certificate of relevant institutions, saying that there is no evidence. 3. Try to choose a large-scale and reputable real estate agent. If you need to make a formal written agreement to entrust the other party with a loan, you can click online for free consultation and let a professional lawyer provide you with answers.