Don't you want to break the loan contract after signing it? If you sign a loan contract with the bank, but you don't want to borrow it, it is definitely a breach of contract, because as long as you sign the contract, it proves that the loan relationship between the two parties has been established. If you don't lend at this time, it is the applicant's unilateral breach of contract. In this case, the bank will hold itself accountable and ask the defaulting party to make relevant compensation to the bank, such as paying some liquidated damages. If the loan has been approved, but the user has not signed the contract, it is not a breach of contract not to lend at this time. After all, there is no formal loan relationship between the two parties.
What if I can't find a loan contract? Under normal circumstances, if you can't find the loan contract, you can find the original copy again, or you can directly reissue a loan contract. For example, you can go to the loan bank to make a copy. Generally, when you apply for a loan, the bank will keep the file. You need to bring your ID card and bank card to check the loan information. You can also find the account manager who helped you with the loan at that time, and then ask the account manager to make a copy. In addition to looking for a bank, you can also find a developer. Be sure to have a contract with the developer, and you can also ask the developer to make copies for you.