The lender wrote it.

A loan contract means that the borrower borrows money from the lender, and the loan contract must specify the repayment amount.

The borrower needs to specify the loan amount, and the lender fills in the loan contract with the repayment amount written on it. A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

When you borrow money from a bank, the bank loan and the contract amount are different.

The loan amount can be lower than the contract amount. This is normal. No matter what kind of loan, it is possible that you don't use as many subprime loans as the bank at this stage; It is also possible that you don't have so much money to use or repayment ability, the value of mortgage loans declines, and the bank reduces the credit line. In short, this situation is in line with the regulatory requirements and the actual spirit of loan issuance, which is normal.

Extended data:

Bank loan process:

1. Borrower's pre-loan consultation: fill in the Application for Mortgage of Residential Houses and submit the following supporting materials from the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor, agreements or other certification documents, and other documents or materials required by the loan bank.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.