1, the loan company said it was not reliable to sign in person. Now some people are too cunning to cheat ordinary people with insufficient professional knowledge, so they want to apply for loans from regular banks and consult more to prevent being cheated.

2. The crime of fraud as stipulated in Article 266 of the Criminal Law of People's Republic of China (PRC).

Whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also, or shall only, be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.

Conditions for applying for loan business:

1, 18 to 65 years old natural person;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information, no bad records, and legal use of the loan;

5. Meet other conditions stipulated by the bank.

To apply for a loan, you need to prepare materials:

1, valid ID;

2. Proof of permanent residence or valid residence, and proof of fixed residence;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Loan use plan or statement;

8. Other information required by the bank.

If the loan is not paid.

First, take the initiative to negotiate with the bank. As we all know, escape is not the solution to the problem. Many loan applicants are at a loss when the loan is not repaid. In fact, in this case, you should immediately communicate with the lending institution to solve it. Whether it is to extend the loan term or reduce the repayment amount of each installment, it is a good solution.

Second, apply for a temporary loan from a small loan company. At present, loan applicants will apply for loans from banks first, and microfinance companies have small customer groups and low quality. In order to expand their business, many small loan companies have launched temporary loan products. For most temporary loan products, the loan period will not be too long, and it will definitely not exceed one year. For the purpose of temporary loan repayment, the application will generally not exceed three months. But it can also solve the urgent need for enterprises that urgently need to repay bank loans.