If your relatives really just stole a copy of your ID card, then it must be illegal for the bank to issue loans at that time. According to the credit management regulations, first of all, the lending bank must check the originals of important identity documents such as business license and ID card, and check whether the witness cards are consistent. Second, to sign a credit contract, I or my agent must sign it with a valid power of attorney and proof of identity, and leave a video or photo record, clearly stipulating the retention period of business files. If lost or omitted, it is also illegal. Third, the loan must be paid to the lender's account first, and then transferred by entrusted payment or personal withdrawal. The whole process must be signed by the person or agent with a valid power of attorney and identity certificate, and finally a loan certificate will be generated. Based on this, you can negotiate with the bank first and ask them to provide the above materials to prove that the loan was handled and used by your father, and the bank will handle it on its own, as long as the credit can be restored. If the bank prevaricates and complains to the local Banking Insurance Regulatory Bureau and the People's Bank of China, the regulatory authorities will handle it.

Second, how to write the policy loan power of attorney

The policy loan power of attorney must specify the identity information of the principal and the principal (name, ID number, telephone number, etc.). ), the policy number, the identity of the principal in the policy (if the principal is not the insured, the information of the insured and the signature certificate of the insured shall be provided), the signature of the principal, and the specific business scope entrusted.

If any expenses arising from the entrusted loan are borne by the principal,

Third, the loan power of attorney

If the client makes any rights and interests that violate national laws, the client has the right to terminate the entrustment agreement. In the era of continuous progress, the scope of application of power of attorney is more and more extensive. Do you know the format of the power of attorney? The following are eight loan orders I have compiled. Welcome everyone to refer to it, I hope it will help you.

Power of Attorney for Loan 1 Client: Gender: Date of Birth: Year, Month, Day, ID Card and Address:

Client: gender: date of birth: year, month and day, ID card and address:

Trustee: gender: date of birth: year, month, day, ID card and address:

I want to be in mortgage to buy a house. However, due to various reasons, I am unable to personally handle the purchase of the above-mentioned house at the lender who provided the mortgage, and hereby entrust (name of trustee) as my agent to handle the following matters on my behalf:

1. Sign the Personal Housing Mortgage Loan Contract and related texts with the lender who provides mortgage to purchase the above-mentioned house.

Second, handle the notarization of relevant contract texts on behalf of.

Three. Apply for the above-mentioned mortgage registration on behalf of the real estate management department and sign relevant texts.

4. Inquire about the credit information system of China People's Bank and sign the power of attorney.

5. Handle relevant bank account opening procedures on behalf of the bank.

I acknowledge all legal documents signed and all expenses paid by the trustee within the scope of agency authority.

After the above entrusted matters are handled, the entrustment period ends.

The trustee has the power of entrustment.

Customer:

Date, year and month

Power of Attorney for Loan Chapter II Principal (Party A) Trustee (Party B)

According to the Contract Law of People's Republic of China (PRC) and relevant regulations, both parties have reached the following agreement on the matter that Party A entrusts Party B to act as the agent for housing mortgage loan through consultation, and promise to strictly abide by it:

I. Entrusting Matters Party A entrusts Party B to handle the relevant formalities of the above mortgage loan due to the need of business turnover.

Second, the cost of completing the entrusted matters

1. Within three days from the date of signing this agreement, Party A shall provide Party B with all the materials required for handling the above housing loan according to the regulations of financial institutions.

2. Party A shall prepay Party B the mortgage loan application fee of RMB (in words) only (￥).

3. The charging standard and term of the entrusted agent's deposit. When Party A and Party B sign this Agreement, Party A shall pay Party B the agency deposit of RMB (in words: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _).

Third, the liability for breach of contract

1. After the signing of this agreement, if Party A breaks the contract halfway, Party B will not return the agency deposit.

2. Party A shall cooperate with Party B's work. In case of delay due to Party A's failure to fulfill the obligation of assistance in time or reasons not attributable to Party B, Party B's working period shall be postponed. If the above entrusted matters cannot be completed due to Party A's own reasons, Party B will not return the agency deposit.

3. If Party B fails to complete the above entrustment due to the bank tightening policy, Party B shall return all the agency funds to Party A, and both parties shall not hold each other accountable.

Four. Other agreements (this agreement will take effect after being signed and sealed by both parties)

5. This agreement is made in duplicate, one for each party, and shall come into effect as of the date of signature and seal by both parties.

Client (Party A): Trustee (Party B): Address: Tel: Handler:

Date of signature: xx, xx, XX, XX.

Power of Attorney for Loan Chapter III Client: Li XX, female, born on X/X, 19XX, now living in XX Road, XX City, with the ID number of XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX.

Zhang XX, female, born on XX, XX, now lives in XX Road, XX City, and her ID number is XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX.

Trustee: Wang XX, male, born on 19XX, now living. No. XX Road, XX City, ID number XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Li XX is Zhang XX's mother and her legal guardian.

Now Li XX and Zhang XX*** have purchased Room X-sheet X, Building X,No. X Road, XX City, and I, Li XX, cannot go through the relevant formalities in person for some reason. I hereby entrust Wang XX to handle the relevant matters of the above-mentioned property for myself and my daughter Zhang XX:

1. Go through the formalities related to house purchase, including signing the house purchase contract and property management contract, and paying the house payment and deed tax;

2. Go through the formalities of bank mortgage loan;

3. Sign the loan contract, guarantee contract and power of attorney of bank mortgage loan;

4. Go through the formalities for obtaining the house property right certificate;

5. Go through the mortgage registration formalities of the mortgaged property;

6. Check-in formalities for house acceptance.

I personally acknowledge all relevant documents signed by the agent within the scope of the above authorization.

The entrustment period is from March 20xx 14 to the completion of the above authorization.

Customer:

Date, year and month

4. Power of Attorney for the loan of rural credit cooperatives in Jinggu County:

I am self-employed, and now I need RMB to operate * * *, and I apply for RMB loan from your company for a term of years. I am willing to be the guarantor of the borrower and bear joint and several liabilities for the borrower's debts. If the loan expires and the borrower fails to repay it on time, I am willing to repay 70% of the total salary for the borrower, and the salary can be deducted directly from the financial department until it is paid off. I hope your agency can approve me.

Guarantor:

Work unit: (official seal) Home address:

Contact telephone number:

Date, year and month

Power of Attorney for Loan Chapter V Power of Attorney

Client: gender: birth: year, month, day,

ID number: ID address: trustee: gender: birth: year, month, day,

ID number: ID address: Relationship between client and trustee: Brother-sister relationship.

Entrust: The client wants to buy a house again. Due to work reasons, the client can't go to handle it in person, so the trustee is entrusted with full authority to handle all the formalities:

1. Apply for mortgage loan from the bank, sign legal documents such as loan contract, mortgage contract and loan note, and handle related matters;

2. Handle and obtain property right certificates, other certificates and other property rights certificates on its behalf;

3. Go through all procedures related to the purchase of the above-mentioned house and mortgage loan;

4. Handle the loss reporting, replacement and degaussing of bank repayment cards or bankbooks on behalf of the bank, and go to the bank to collect and print statements on behalf of the bank;

5. Pay the deed tax of the above-mentioned property on its behalf, and buy and sell the house.

Handling fees and other related expenses;

6. Handle and receive all related matters such as real estate license and land use certificate on behalf of the company;

7. Handle and fill in the application form for the family members of the purchaser and the housing situation under their names.

Authorization: plenipotentiary agent

Principal's responsibility: the entrusted matters handled by the agent in the process of full agency, as well as the legal rights and obligations arising therefrom, are recognized by the principal.

Term of entrustment: until the above entrusted matters are handled.

Customer:

Power of Attorney for Loan Chapter VI Power of Attorney for Credit Application Inquiry (Unit)

Guizhou Bank Zunyi XX Branch:

As you handle the credit business in your bank, you are authorized to inquire the credit information (including social insurance, housing accumulation fund and other information) of the authorized person in the basic credit database of the People's Bank of China.

Authorized personal loan:

Authorized person (signature and seal):

20xx June 8th

Letter of Authorization for Loan 7 Client: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ (hereinafter referred to as Party A)

Trustee: _ _ _ _ _ _ _ _ _ _ _ _ _ _ (hereinafter referred to as Party B)

Due to business expansion, the company urgently needs funds to expand its business scale. After discussion between the company's legal person and shareholders, it is decided to entrust Party B with full authority to handle loan business (including short-term capital borrowing, social investment, financing, etc.). ) on behalf of the company. Specific information such as the scope of authorization, validity period, and payment of labor fees are as follows:

I. Basic information of the entrusting company

1. Company name: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

2. Company address: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Company address

3. Business Nature: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

4. Industrial and commercial registration number: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

II. Scope of authorization and validity period

1. The Trustee handles loan business (including short-term capital borrowing, social investment, financing, etc.). ) on behalf of the company.

2. The authorization is valid for one year.

Third, labor costs and payment methods

1, according to _ _ _% of the total loan financing successfully applied by Party B for Party A.

Party A shall pay Party B in one lump sum (the date when Party A receives the payment). If Party A delays the payment of Party B's service fee, Party A shall bear five thousandths of the total service fee payable. Days of liquidated damages to compensate Party B;

2. Party B's travel, accommodation,

Entertainment fees, information fees, handling fees and other expenses shall be borne by Party A. ..

Four. Other agreements

1. Party A must provide true, legal and effective loan application materials;

2. All creditor's rights and debts arising from Party A's successful loan financing.

The legal and civil liabilities or economy arising therefrom have nothing to do with Party B, and shall be borne by Party A..

5. This power of attorney is made in duplicate, which will take effect after being signed by both parties.

Party A: _ _ _ _ _ _ _ _ _ _ _ Party B: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

ID number: _ _ _ _ _ _ _ _ _ _ ID number: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Letter of Authorization for Loan 8 Authorized Person (hereinafter referred to as "Authorized Person"): _ _ _ _ ID number:

Authorized person (hereinafter referred to as "authorized person"): ID number: authorized matters:

The Licensee hereby authorizes the Licensee to handle all matters related to the student credit loan of China Development Bank on behalf of the Licensee in accordance with the relevant laws and regulations of People's Republic of China (PRC) (except those required by China Development Bank and its branches to be handled by the Licensee himself), including but not limited to:

1. According to the requirements of China Development Bank and its branches, sign, renew and modify the Student Credit Loan Contract of China Development Bank (hereinafter referred to as "loan contract") and other relevant documents required by China Development Bank and its branches;

2. With the prior written consent of the China Development Bank and its branches, perform relevant obligations in accordance with the provisions and requirements of the loan contract and related documents.

Duration of authorization:

This power of attorney shall come into effect as of the date when the authorized person, the authorized person and the witness sign this power of attorney. The validity period is _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

The licensee hereby declares and guarantees that it will not authorize anyone other than the licensee to handle the authorization matters agreed in this power of attorney without the prior written permission of China Development Bank and its branches. Any other power of attorney inconsistent with the contents of this power of attorney shall not conflict with this power of attorney. Signature:

Authorized person (signature): Authorized person (signature):

Witness: Student Financial Assistance Management Center of _ _ _ _ _ _ _ _ _ _ County (city, district) in Hubei Province (signature):

Date: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Four. Personal loan power of attorney

When applying for a loan, the materials that the lender needs to prepare are divided into the following categories:

1, personal identification: ID card, residence permit, household registration book, marriage certificate and other materials;

2. Provide proof of stable income source: bank flow sheet, labor contract, etc.

3. Provide stable proof of address: such as house lease contract, water and electricity bill, property management and other relevant certificates;

4. Other information stipulated by the bank.