This kind of behavior is absolutely not allowed in the internal compliance management of banks, and all banks strictly prohibit it. Sometimes, in order to save trouble and reduce the waste of mistakes when customers fill out the contract, loan officers will ask customers to fingerprint and sign the signature first, and then fill in the information in person when they have time. The contract is not allowed to be altered. Once you make a mistake in writing a word on it, you have to fill it in from the beginning again. Since the filling content is relatively scattered, some loan officers often use this secretly to avoid the customer filling it out incorrectly, tearing it up and refilling it, which delays time and wastes materials. A non-compliant way to save time and contracts. But doing so will undoubtedly increase the risk of credit granting, and there will be endless troubles. If something happens, you can't wash it away by jumping into the Yellow River. It is recommended that if you don’t know how to write, you should ask the loan officer to guide you to fill in the contract one by one, unless you trust him and let him fill in the contents of the contract for you in private.

As for how many contracts have been written on the last page, if you press and sign this contract in It has taken effect and has legal effect. I can only suggest that you pay more attention in the future and learn more common sense about loans and laws. As a guarantor, you must hold a copy of the guarantee contract. As long as the information on it is correct, there will be no big problem. If something goes wrong and a lawsuit is filed in the future, the three contracts will not be protected by the law if they are inconsistent in content.

If you feel unsafe, you can complain to the bank's credit management department and ask the account manager responsible for the loan to re-sign, because this behavior is inherently illegal. The normal procedure is that bank staff must sign the contract. Read the content of the contract and relevant signing precautions to the guarantor beforehand, and inform the guarantor that guarantees are risky and need to be cautious when guaranteeing. When the guarantor agrees to guarantee, he will fill in the required number of copies of the contract in person. For example, if the guarantee contract is in triplicate, then The three entries must be filled in by one person in the same handwriting. You can write it or watch him write it. Blank parts that do not need to be filled in must be crossed out with a slash. You should check that the handwriting of the three contracts is completely consistent before signing and sealing them. However, if you file a complaint, you and your friend will be at loggerheads. The bank manager who handles the loan will also be severely punished for failing to explain the contract content to the customer, leaving the customer with only a partial understanding of the contract. Signing a blank contract is a serious violation.

But it’s usually fine. Even if you guarantee a loan of 200,000 yuan, if they trick you into filling in 600,000 yuan or more, and the value of your fixed assets is less than the guarantee limit, even if you sign a contract with the loan approval department, If the review finds that your fixed assets are far less than the guaranteed amount, the loan application will be directly rejected, which means it will not be approved because you are insolvent and do not meet the guarantee conditions for the loan. But if you are very rich, then you need to be more careful.