Not necessarily. The following is a detailed answer to this question:

1. Answer the question first:

If the borrower's phone number has been unreachable, it cannot be immediately determined that the borrower has lost contact.

2. Explain the reasons for the conclusion:

- The reason why the phone cannot be reached may be because the borrower’s mobile phone is turned off, the signal is poor, or there is a network problem. These reasons are not sufficient to prove the loan People are out of touch.

- The borrower may have temporarily turned off the phone or changed his phone number due to some personal reasons, so being unable to be contacted by phone does not necessarily mean that the borrower has lost contact.

- In addition, there may be problems with the bank or lending institution itself, such as phone line failure, system updates, or busy customer service personnel that cause the call to be unreachable.

3. Summary:

If the phone cannot be reached, it cannot be directly determined that the borrower has lost contact. The borrower’s situation and background need to be further verified.

4.

Extended information:

Before confirming that the borrower has lost contact, lending institutions usually take the following measures:

- First try to contact the borrower through other channels and contact methods, such as sending text messages, emails, delivering paper letters, etc.

- If you cannot contact the borrower, you can try to contact the borrower's emergency contact or guarantor for more information.

- If the borrower's situation still cannot be determined, the lending institution may entrust a third-party agency to conduct an investigation, such as through social networks, the public security system and other channels, to determine the borrower's whereabouts and current situation.

The above is a detailed answer to whether the borrower's phone call failure is considered lost contact. It should be noted that the failure to get through on the phone is just a situation and cannot directly conclude that the borrower has lost contact. Therefore, in similar circumstances, the lending institution needs to further verify the borrower's situation and take necessary measures.