According to Article 203 of the Contract Law, if the borrower changes the purpose of the loan without the consent of the lender, it is a breach of contract, and the lender may stop issuing the loan according to the loan contract and recover the loan in advance.

Or terminate the contract. This is because the lender agrees to the loan by determining the borrower's repayment ability according to the purpose of the loan. If the borrower changes the purpose of the loan without authorization, the lender may not be able to recover the loan when it expires.

The reason why the loan contract stipulates the statutory terms for the purpose of the loan is mainly to urge the borrower to use the loan as planned, and to use the limited loan in places that are in urgent need and have good economic benefits, and also to ensure the safety of loan recovery.

Make love.

This is generally a civil relationship and does not constitute a crime of loan fraud, but it may be suspected of loan fraud, which should be determined according to the specific circumstances of the case.