Legal analysis: When applying for a personal loan, the borrower needs to bring his ID card and other documents to the bank to sign the receipt and contract. Because it must be signed by the borrower himself, it is called face-to-face signing.

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

Article 509 The parties shall fully perform their obligations as agreed. The parties shall abide by the principle of good faith and fulfill the obligations of notification, assistance and confidentiality according to the nature, purpose and trading habits of the contract.

Article 563 If a party fails to perform its obligations due to delay in performance or other breach of contract, it may terminate the contract.

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