The crime of loan fraud refers to issuing loans to banks for the purpose of illegal possession. And if there is no meaning of illegal possession, that is, after the loan is returned, it is also returned, but the purpose of the loan is not in line with the actual situation, it does not constitute the crime of loan fraud.

Of course, it may be possible to agree with the bank on the purpose of the loan from the beginning. If the actual use of the loan is inconsistent with the agreement, it may involve breach of contract, but it does not constitute a crime.

To apply for a small loan in Chongqing, you generally need to meet the following conditions:

First of all, he is a resident of Chinese mainland, aged 18-60, and can provide personal identification (ID card, household registration book, marriage certificate, etc. ).

Secondly, it has a fixed address and place of work and business, and can provide proof of address (house lease contract, water and electricity bill, etc.). ).

Thirdly, have a stable source of work or economic income, good credit standing, and can provide proof materials such as bank serial number and labor contract.

Finally, without a bad credit record, the loan cannot be used for purposes prohibited by state orders.