The emergency contact person for the loan cannot be filled in casually. The emergency contact person is not equal to the guarantor, so the contact person does not bear the responsibility for repayment, but only serves as a backup contact in case the borrower cannot be contacted. , an emergency contact will be called.

What are the consequences of filling in the loan contact person indiscriminately:

All information when applying for a loan needs to be true and valid. If you fill in the information indiscriminately or fabricate it, from a legal perspective, it is If you are suspected of loan fraud, you will need to bear legal responsibility once investigated. On the other hand, when the bank is reviewing the loan, it is very likely that the bank will confirm the authenticity of the contact information. Once the verification is incorrect, the loan will be directly rejected, and the loan will be rejected because of false information, and the record will be Remain on the lender's system.

For some financial institutions with particularly strict risk control mechanisms, as long as a loan with false information occurs once, it will be difficult to apply for a loan from that institution in the short term.

Legal basis:

Article 11 of the "Interim Measures for the Administration of Personal Loans"

Personal loan applications should meet the following conditions:

(1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who complies with relevant national regulations;

(2) The purpose of the loan is clear and legal;

(3) The loan application amount, term and currency are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower’s credit status is good, No major bad credit record;

(6) Other conditions required by the lender.