Legal analysis: after the loan contract is signed, it can be revoked under legal circumstances, such as: (1) concluding the contract based on major misunderstanding; (2) One party enters into a contract by fraudulent means; (3) One party or a third party coerces the other party into concluding a contract against its true meaning; (4) One party takes advantage of the fact that the other party is in a critical state and lacks judgment ability, which leads to obviously unfair when the loan contract is established.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 147? Based on serious misunderstanding, the actor has the right to request the people's court or arbitration institution to cancel the civil juristic act.

Article 148? If a party commits a civil legal act that goes against its true meaning by fraudulent means, the injured party has the right to request the people's court or an arbitration institution to cancel it.

Article 149? If a third party commits fraud, causing one party to commit a civil legal act against its true meaning, and the other party knows or should know about the fraud, the defrauded party has the right to request the people's court or an arbitration institution to cancel it.

Article one hundred and fifty? If one party or a third party coerces the other party to carry out a civil legal act against its true meaning, the coerced party has the right to request the people's court or an arbitration institution to cancel it.

Article 15 1? If one party takes advantage of the situation that the other party is in a critical state and lacks judgment ability, resulting in obviously unfair when a civil juristic act is established, the injured party has the right to request the people's court or an arbitration institution to cancel it.