The paper contract was delivered to you later, so how did you apply for and get a loan?

If there is no electronic contract, such as certain terms. Finally let you agree or something. Generally speaking, you can get money, even if you haven't got it yet. As long as you enter this procedure, you have basically signed the relevant contract.

Besides, it shouldn't be a service charge of 33,000 yuan. This is the difference between your borrowing and repayment, and there is interest in it.