The legitimacy of the establishment of an enterprise unit, the independence of its operation, the sufficiency of its own capital, the profitability of its operation and the security of its loan are the basic conditions that an unit or individual must have to apply for a loan from a bank. The lender must be 18 years old and have full capacity for civil conduct. When applying for a loan, you need to have good credit, provide corresponding personal certificates and my consumption bills for nearly half a year, and ensure that the lender has the ability to pay off the loan.
Don't panic when you encounter this kind of loan incident. This kind of fake loan has no legal effect, and the loan contract needs to be signed by the lender himself, otherwise it is invalid. The borrower shall-
1. Print the credit report. You can go to the business hall of the local people's bank or print it at the credit information network as evidence of your rights protection.
2. Conduct handwriting identification. As evidence that is not signed by me, it will be submitted to the court together with the credit report and related materials.
3. Complain to the lending bank or the People's Bank of China, or directly sue the bank in court. Eliminate bad credit records and apply for compensation in serious cases.
4. After ensuring that the bad credit record of the bank is deleted, go to the bank and ask the bank to delete the loan information in the internal loan system to prevent the next loan from being rejected.
In today's society, the phenomenon of "being loaned" and "being established as a company" occurs frequently, and people's personal interests are threatened, and even they unconsciously bear huge debts. In daily life, in order to avoid this phenomenon, we should strengthen our awareness of protecting our personal information, and don't leak it easily, which will bring us unnecessary losses.