1. If you agree to use the loan in your name and sign a loan contract, it is legally regarded as your personal loan, and you should repay the loan principal and interest according to the loan contract. Others have no legal relationship with banks. If others refuse to repay, the responsibility is borne by themselves. After you assume the repayment responsibility, you can recover from the actual user.

If you don't know that others borrow money in your name and you haven't signed any loan contract, you can raise an objection to the bank and bring a lawsuit to the court to confirm that the loan contract is invalid. In this case, you don't need to take any responsibility.

Legal basis: Article 14 of the Provisional Regulations on the Registration of Real Estate applies for the registration of real estate for sale, mortgage, etc. , both parties should apply at the same time.

In any of the following circumstances, the parties may apply unilaterally:

(1) The unregistered real estate applies for registration for the first time; (2) the right to inherit and accept bequests to obtain real estate; (3) The establishment, alteration, transfer and extinction of immovable property rights in legal documents or decisions of the people's government that come into effect; (four) the name of the obligee or the natural situation changes, and the obligee applies for registration of change; (five) the loss of real estate or the obligee waives the right to real estate and applies for cancellation of registration; (6)