According to the Contract Law, if the lender fails to make a loan contract after the loan contract is signed, the loan contract will not take effect.

The people and the country of China.

Article 671 Consequences of Lender's Failure to Provide Loan and Borrower's Failure to Collect Loan as agreed; If the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses.

If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.

Article 679 The time of establishment of a loan contract between natural persons is when the lender provides the loan.

Borrow money and don't pay it back when it matures.

In fact, if the borrower doesn't pay back the money at maturity, you can first check whether there is a clear agreement in the contract:

1. If the borrower and the borrower clearly stipulate the liability for breach of contract in the loan contract, they shall bear the corresponding liability for breach of contract according to the contract.

Moreover, the amount of liquidated damages is stipulated in the contract and can be calculated according to the agreement.

If the loan contract is agreed or not signed, it is generally not the owner, and the other party may demand compensation for the overdue interest paid by the actual party.

3. In the absence of contract liquidated damages, whether to pay back the money can actually be negotiated by both borrowers and borrowers themselves. As long as an agreement is reached through consultation, the contract can be performed as agreed.

If both parties fail to negotiate, and both parties cause it, they can collect relevant evidence and demand compensation for losses.

2. Is there no down payment after the loan contract is signed?

It is also valid to sign a contract without lending money. If you sign a loan contract, you have to lend money, usually 1 to 3 months. Writing an IOU only proves that both parties have agreed to borrow money, and the loan relationship has not really taken effect. In the loan-loan relationship, in addition to issuing IOUs, it is also necessary to actually deliver the money, that is, the lender needs to deliver the money to the borrower. Only the payment voucher can truly prove the effectiveness of the loan relationship. There is no loan, which may be due to the lack of funds in the bank or further verification of the submitted information (the bank is to prevent loans from happening safely). After the contract is signed, the bank will lend money according to the time agreed in the contract, so don't worry. Matters needing attention in signing a loan contract with a bank: 1. Verify the commercial information of the lending bank; 2. Verify whether the loan contract is wrong. Loan contracts generally involve information such as loan amount, loan term, loan interest rate and repayment method; You can keep one copy after signing the contract. Matters needing attention in signing a loan contract with a bank: 1. Verify the commercial information of the lending bank. Individuals should carefully verify the commercial information of the loan bank before signing a loan contract with the bank. Does the lending bank have the ability and credibility to lend as agreed? What is the specific situation of its loan issuance? If the bank often collects loans overdue's account, it will undoubtedly conflict with the borrower's subsequent preparation. 2. Verify whether the loan contract is wrong. Loan contracts generally involve information such as loan amount, loan term, loan interest rate, repayment method, etc. Individuals should carefully check whether these information are wrong when signing loan contracts with banks. It is not impossible for bank staff to type this information wrong in their work. Individuals should carefully proofread these important information before signing. You can keep one copy after signing the contract. In order to facilitate the subsequent inspection and other use, individuals can request to keep the contract when signing a loan contract with the bank. After the loan contract is signed by both parties, the effectiveness of the contract extends to both parties.

3. Does the unpaid loan contract take effect after signing? There is no seal on the contract.

This contract shall come into effect after being signed, registered and sealed by both parties. If it does not conform, it is invalid.

A contract is an agreement between natural persons, legal persons and other organizations with equal subjects to establish, change and terminate the relationship of civil rights and obligations. In civil business activities, contract, as a sales agreement, is a legal transaction form. The content of the contract is embodied in the terms of the contract. If the other party just doesn't stamp, but has signed the name of the specific person in charge, then the simple contract is valid, only the two parties to the contract become the borrower and the person in charge of the signature. If the other party not only fails to stamp or sign, it will generally not take effect, because the contract is relative to two or more parties, and the other party's failure to sign also implies that the other party disagrees with the contract. Based on the principle of not creating obligations for the borrower, this contract is not effective. Although the other party has neither stamped nor signed, but both parties have a clear verbal agreement or the other party has enough behavior to make you misunderstand that he has promised the contract matters, and both parties have failed to fulfill their contractual obligations and pay time and money, the validity is to be determined, and the borrower can invalidate the contract through the other party.

I. Conditions for the entry into force of the contract

1, the parties to a contract have the corresponding ability to conclude a contract.

2. The intention of the parties to the contract is true.

3. The contract does not violate the law or social interests.

4. According to the second paragraph of Article 44 of the Contract Law, a contract that should be signed by hand according to laws and administrative regulations must go through the approval and registration procedures in accordance with the regulations before it can take effect.

5. When concluding a contract, the parties take the form of offer and acceptance.

6. When the acceptance takes effect, the contract is established.

Second, the contract law stipulates that:

1, Article 44 A contract established according to law shall take effect upon its establishment.

Article 45 The parties may stipulate that the validity of a contract is subject to conditions.

Article 46 The parties may stipulate the term of validity of the contract.

Article 47 A contract concluded by a person with limited capacity for civil conduct shall be effective after ratification by the legal agent. However, it is not necessary for the legal representative to approve purely beneficial contracts or contracts concluded according to his age, intelligence and mental health.

5. Article 48 A contract concluded in the name of the principal after the actor has no agency right, exceeds the agency right or the agency right is terminated, without ratification by the principal, it is invalid for the principal, and the actor shall bear the responsibility.

6. Article 50 A contract concluded by the legal representative or person in charge of a legal person or other organization beyond its authority is valid, unless the other party knows or should know that it has exceeded its authority.