You must sign it yourself.

Second, the lender did not sign the loan, and the bank gave it directly to others. Is the loan valid?

As a guarantor, you have the right to ask the bank to provide the original or copy of the so-called guarantee contract you signed, and keep a piece of evidence for yourself or check whether you signed it yourself, so that you can have a good idea.

If you really don't press your fingerprints, there are two situations and solutions.

First, if it has not reached the litigation stage, you can apply to the local people's bank for objection coordination. If the bank can't provide exact evidence to prove that it is indeed your signature fingerprint, the bank will directly revoke your piracy responsibility and cancel the negative data generated by your credit information to the People's Bank of China.

Second, if you have reached the litigation stage, please hire a good lawyer in advance according to the court session time, and let the lawyer hold a court session to help you defend. You can apply for a judicial machine to identify your handwriting and fingerprints in court. If you really don't press your handprint, it will eventually be judged that the lender lost the case and your guarantee responsibility is invalid. Then, the bank must revoke the bad information on your credit information and investigate your guarantee responsibility.

These are two solutions, but only if you make sure that you didn't sign the contract.

3. Is the IOU without my signature valid?

Invalid. The loan contract must be signed by the borrower himself. If this happens, you can. Loan contract is a form of economic contract. That is, the lender will deliver the money to the borrower for use, and the borrower will return a certain amount of money and interest to the mutual rights and obligations determined by the loan in accordance with relevant regulations. In order to ensure their own safety, the lender requires the borrower's financial status (especially its liquidity) to be at least as good as when signing the loan contract. The loan contract itself only means that the lender has the legal right to take action when the borrower violates the terms of the contract. Otherwise, the lender will be bound by its promised loan terms and will not take corrective measures before the contract expires. Legal basis: Article 469 of the Civil Code of People's Republic of China (PRC), the parties may conclude a contract in written form, orally or in other forms. Written form refers to contracts, letters, telegrams, telexes, faxes and other forms that can tangibly express the contents contained. A data message that can tangibly express its content through electronic data interchange, e-mail, etc. , and can be retrieved at any time, are considered in writing. The contents of a contract are agreed upon by the parties, and generally include the following terms: (1) the name and domicile of the parties; (2) Subject matter; (3) quantity; (4) quality; (5) Price or remuneration; (6) Time limit, place and method of performance; (7) Liability for breach of contract; (8) Methods for resolving disputes. The parties may conclude a contract by referring to the model texts of various contracts. Article 471 The parties may conclude a contract by offer, acceptance or other means.

4. One of the husband and wife did not sign a car loan. Is the loan valid?

If a husband and wife apply for a car loan, the loan is valid without the signature of one party, and the loan needs to be returned on time. Mortgage car purchase process: 1. The customer chooses a car at the bank's special dealer and signs a car purchase agreement or contract; 2. The borrower applies to the loan bank for personal automobile mortgage; 3. Sign the contract with the consent of the investigation; 4. Go through the formalities of notarization and mortgage of automobiles; 5. Lenders (banks) handle loans; 6. After the loan is paid off, the lender (bank) cancels the pledge certificate and returns it to the customer.