There are electronic contracts.
In civil activities, the parties may agree to use or not use electronic signatures and data messages in contracts or other documents, vouchers and other documents.
A document in the form of electronic signature or data message agreed by the parties shall not be denied its legal effect just because it is in the form of electronic signature or data message.
In addition to these three situations, you can use electronic contract electronic signature to sign valid contracts and documents.
Are all ICBC loan contracts in electronic form now?
At present, not all loan contracts of ICBC are electronic. ICBC's loan contract has a paper version and an electronic version.
1. ICBC's paper loan contract is kept in ICBC's file.
2. The electronic version of ICBC's loan contract is stored in the personal loan information processing system of each loan handling bank, which requires the handling personnel to input the lender's ID number through the personal account number for inquiry, and the user cannot view it in person.
Why is there no loan contract for the loan of China Construction Bank?
When applying for a loan in China Construction Bank, there is a loan contract. If the application route is online and the signing form is online, then the loan contract exists in the form of electronic documents. Unlike paper contracts, electronic contracts are sometimes ignored by lenders, so that there is no loan contract for CCB loans. No matter what kind of loan is applied for, CCB will supply loan contracts to customers, which we can rest assured.
Where can I see the electronic loan contract? Please note the following
With the continuous development of the Internet, more and more businesses can be conducted online, such as loans. I used to have to go to the bank to get the number and queue up, and some had to make an appointment. Now simple loans can be operated directly online or on mobile phones, and personal information will be filled in. After the system is audited, it will automatically lend money, which is convenient and fast. We know that loans need to be signed, and online loans are electronic contracts, so where can we find them?
1. Where can I see the electronic loan contract?
When applying for a loan, you need to view the agreement or contract on the loan confirmation page before submitting, and you can click View directly. As long as the electronic contract conforms to the contract law and the lending institution itself is formal, it has the same legal effect as the written contract.
When you apply for a loan, don't forget to check the details of the contract, such as loan interest, repayment method, consequences of default, early repayment, etc. What you care about most. You must check carefully. If you find any mistakes or anomalies, you refuse to sign the contract. Otherwise, once the contract is successful, you need to abide by the treaty under the legal premise, or you will bear legal responsibility.
Second, the loan contract matters needing attention
1. Check the contract carefully. If you don't understand, you should consult the customer service in time, or you can ask the bank to explain it in the supplementary terms.
2. Even the electronic version of the contract can be found in the personal center after the loan is established, so it is best to take screenshots before the loan to avoid the electronic version being tampered with after the loan.
In a word, the loan contract is very important to the borrower, which is often overlooked by many people. Everyone must read the contract before submitting the loan.