It is illegal to apply for a loan with a fake business license. To run a commercial mortgage loan, the bank must send someone to the industrial and commercial bureau to check the files, and it is impossible for fake industrial and commercial households to pass the customs.

Legal basis:

Article 186 of the Criminal Law of People's Republic of China (PRC) refers to the crime of illegally issuing loans, which means that the staff of banks or other financial institutions who issue loans in violation of state regulations, if the amount is huge or cause heavy losses, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 10,000 yuan but not more than 100,000 yuan; If the amount is especially huge or especially heavy losses are caused, he shall be sentenced to fixed-term imprisonment of not less than five years and fined not less than 20,000 yuan but not more than 200,000 yuan.