Yes, but I suggest signing a contract with more legal benefits.
1. It is not recommended to sign a contract to purchase this kind of property. Because the ownership has not been transferred, that is, the property still belongs to the unit and not to the seller, a purchase contract should be signed with it, which is not protected by law. Buyers can't guarantee it. So it is not recommended to buy this kind of property.
2. A simple and popular understanding of a loan is to borrow money that needs interest.
3. Loans are a form of credit activities. Banks or other financial institutions borrow monetary funds at a certain interest rate and must repay them. Loans in a broad sense refer to loans, discounts, overdrafts and other loan funds. By lending money and monetary funds, banks can meet the needs of a society that supplements funds, thus expanding reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
1. The purpose of the loan policy of commercial banks is to ensure the coordination of their business activities. Loan policy is the general principle guiding every loan decision. The ideal loan policy can support banks to make correct loan decisions and help banks to operate; Secondly, it is to ensure the quality of bank loans. Secondly, it is to ensure the quality of bank loans. The correct credit policy can keep the bank's credit management at an ideal level, avoid excessive risks and properly choose business opportunities.
2. The loan method is the way for banks to lend to enterprises. According to the different ways of loan guarantee, it can be divided into credit loan, guaranteed loan and bill discount. Credit loan only refers to the lender borrowing credit loan; Secured loans refer to secured loans, mortgage loans and committed loans; Bill discount refers to the lender issuing loans by purchasing the borrower's excess commercial bills, which can be regarded as a special form of promised loans. At present, the supply of credit funds in China can be divided into three types: direct loans, indirect loans and purchase of seller's loans.
3. The "three principles" refer to safety, liquidity and efficiency, and are the basic principles of loan operation of commercial banks. Article 4 of the Law of People's Republic of China (PRC) Commercial Bank stipulates: "Commercial banks shall operate independently, bear their own risks and be responsible for their own profits and losses on the principle of safety, liquidity and efficiency."
(1) loan security is the main problem faced by commercial banks;
(2) Liquidity refers to the ability to recover the loan according to the predetermined period or realize the loan quickly without loss of land, so as to meet the demand of customers for withdrawing deposits at any time;
Is it a breach of contract to sign a loan contract with a loan intermediary without lending?
This is a breach of contract. The loan contract has been signed and the contract has come into effect. If the applicant refuses to lend unilaterally, it is a breach of contract and needs to pay liquidated damages according to the contract.
legal ground
Article 577 of the Civil Code
If one party fails to perform the contractual obligations or fails to meet the contractual obligations, it shall be liable for breach of contract, such as continuing to perform, taking remedial measures or compensating for losses.
Article 583 of the Civil Code
If one party fails to perform its contractual obligations or fails to comply with the contract, and after performing its obligations or taking remedial measures, the other party still suffers other losses, it shall compensate for the losses.
Signed a loan intermediation service agreement with the intermediary. Is bad information a breach of contract?
Signed a loan intermediation service agreement with the intermediary, and the information is not a breach of contract. Without information, it is impossible to perform the contract as agreed. This responsibility belongs to the contracting party before signing the contract. Because the information was prepared by the signatory. After the contract is signed, the responsibility belongs to the contractor, but the contractor has no detailed inspection information. Therefore, the contract cannot be continued.
I signed an intermediary loan agreement and now I don't want to borrow it. Will I find my company?
Yes
It is a personal wish to sign an intermediary loan agreement, and the loan company only has contractual effect on the lender himself. However, if the lender is unwilling to take it halfway, it will constitute a breach of contract, and the loan company can apply to the lender for compensation for liquidated damages. If the lender cannot be found, the loan company can explain the situation to the employer where the lender is located. Generally speaking, there will be no contact with the employer.