In fact, the current banking supervision is very strict, and the history of punishment is rare. It is definitely a penalty to issue loans in violation of regulations. There are also loans to related borrowers, loans to people who do not meet the loan conditions, and fictitious materials to apply for loans. After these situations happen, if they do not cause excessive losses, they may only be subject to administrative punishment; If the loan cannot be recovered and the amount is large, it will bear legal responsibility.

2. What punishment will the borrower get for using the loan in violation of regulations?

Generally speaking, this means that the house purchase loan applied by the borrower should be directly loaned by the bank to the real estate company, which can only be used for the house purchase applied for this time. However, after the loan is successfully loaned, the money is returned to the borrower's name by transfer or other means.

3. What will be the punishment for the borrower's illegal use of the loan?

If you buy a house for the first time, you must pay at least 90 thousand. The loan needs to provide my valid ID card, household registration book (household registration page), single, income certificate (more than 2.5 times the monthly payment), and if I get married in my name, I need both husband and wife's ID card and household registration certificate.

Fourth, how to deal with the loan of public officials?

It is necessary to distinguish whether there is illegal lending, normal loans will not be handled, and illegal lending will be punished by party discipline and political discipline.