If the money is not given to you as you said, although you signed the contract, it has not yet taken effect. Because the loan contract will take effect after the loan is handed over to you (that is, the loan is issued to your name). Therefore, in this case, you have the burden of proof to prove that the bank has not issued the loan to your name. It depends on how the contract was agreed at that time.

Another question, I haven't given you the money after handling the loan for such a long time. Didn't you ask the bank? And you owe the contract, aren't you worried? At the same time, you mentioned that there was no guarantor for this loan, and then you said that five households jointly guaranteed it.