If the text is finally signed and confirmed by the borrower himself, it is valid, and whoever writes the content does not affect the legal effect.

Legal basis: contract law

Article 32 When a contract is concluded, if the parties conclude the contract in the form of a contract, the contract shall be concluded when both parties sign or seal it.

Article 44 A legally established contract shall come into force upon its establishment.

Where laws and administrative regulations stipulate that examination and approval, registration and other procedures shall be handled, such provisions shall prevail.