The ultimate goal of defrauding loans is not to repay them, and illegal possession will lead to loan fraud. Sentenced to fixed-term imprisonment of different years according to different quotas; If the loan is returned after fraud, criminal responsibility will generally not be investigated, and relevant lawyers need to be consulted for specific circumstances. Users must not cheat loans when applying for loans at ordinary times. Users must submit real information when applying for loans, and repay them in time after handling loans. There should be no overdue, because there will be penalty interest after the overdue. Article 193 of the Criminal Law defrauds banks or other financial institutions of loans for the purpose of illegal possession, which is under any of the following circumstances. If the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) fabricating false reasons such as introducing funds and projects; (two) the use of false economic contracts; (3) using false documents; (four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral; (5) obtaining loans by other means.