(1) The borrower conceals the real situation by fraudulent means and provides false certification materials;

(2) The guarantor violates the guarantee contract or loses the ability to bear joint and several liabilities, the collateral damage is not enough to pay off the principal and interest of the loan, and the pledge is obviously reduced, which affects the lender's realization of the pledge right, while the borrower fails to implement the new guarantee or new mortgage (pledge) according to the regulations;

(3) Failing to use the loan according to the personal loan purpose agreed in the loan contract;

(4) Without the consent of the loan bank, the borrower dismantles, sells, transfers, donates or repeatedly mortgages the mortgaged or pledged property or rights;

(5) The borrower refuses or obstructs the loan bank to supervise and inspect the use of the loan;

(6) The loan repayment is affected or the interests of the loan bank are damaged due to other reasons of the borrower;

7) Other circumstances agreed by the lending bank and the borrower.

Now we know that the lending bank has the right to recover all loans in advance, but as long as you don't violate the bank's requirements and abide by the law, then I believe this will never happen to you.

If it is necessary to change the loan under special circumstances, it must be agreed by the loan bank, the borrower and all parties concerned through consultation, and a change agreement shall be signed according to law, and the change procedures shall be handled in accordance with relevant regulations.

(1) If the borrower dies, is declared missing or loses the capacity for civil conduct, and his heirs, guardians or legatees continue to perform the loan contract signed by the borrower, they shall sign a new loan contract and go through the relevant formalities.

(2) In case of any change in the loan amount, term, personal loan collateral, pledge and guarantee unit, the Bank shall notify the lending bank in time, and go through relevant procedures as required after obtaining the consent of the lending bank. When the borrower fails to repay the loan as agreed in the contract, the loan bank will dispose of the collateral according to law. The pledge fully repays the loan principal and interest owed by the borrower. After the penalty interest, related expenses and the remaining disposal proceeds are returned to the mortgagor, pledger or guarantee unit. An insurance company shall, in accordance with the relevant agreement, undertake the guarantee or insurance liability for paying off the principal and interest of the loan owed by the borrower. After penalty interest and related expenses, the loan will be terminated.

Since the lending bank has the right to recover all loans in advance, what we have to do is to avoid such a thing. After all, the duck we got just flew away, which is still very reluctant. So we must read the relevant clauses in the contract clearly, so we must pay attention to the following points when signing a contract with the bank:

1. Define the purpose of the loan.

The purpose of the borrower's loan is related to the risk of the bank and whether it is approved. The borrower should indicate the purpose of the loan in the contract and use the loan according to the purpose of the loan, so that the bank and the guarantor can know the real purpose of the loan and protect the rights and interests of the guarantor more fairly.

2. The loan contract shall be filled out by the borrower.

According to the relevant provisions of the Civil Code, a loan contract is a true expression of the meaning of both parties. When both parties reach an agreement on the main contents and terms of the contract, the loan contract is established.

Generally speaking, a bank contract is a standard contract. The party providing standard terms, namely the bank, should follow the principle of fairness to establish the rights and obligations of the parties, take reasonable measures to draw the attention of the other party to the terms exempting or limiting their responsibilities, and interpret the terms according to the requirements of the other party. Therefore, the loan contract should be filled in by the borrower, so that the borrower can understand the contents and terms of the contract, and the bank is obliged to explain the terms, which can prevent disputes arising from different understandings.

3. Pay attention to the performance mode after signing the contract.

In practice, there are more and more phenomena of repaying loans in advance, and whether to agree with borrowers to repay loans in advance can be decided by banks according to the specific conditions of loans. The general principle is that the loan bank collects compensation from the borrower.