Choosing not to lend at this time is not a breach of contract. And has passed the loan review, and signed a loan contract, at this time the user chooses not to lend, then it is a breach of contract. In case of default, the user needs to pay a certain penalty to stop the lending institution from lending.

Before applying for a loan, users must consider whether they need to borrow, and don't go back on our word in the middle of borrowing, which will also affect their personal credit.