Generally speaking, if there is no authorized agent, others may not sign it, and one person is a legally binding contract. The power of attorney signed by others on behalf of the lender proves the existence of the entrustment relationship.

legal ground

Article 162 A civil juristic act performed by an agent in the name of an agent shall be effective for the principal.

Article 165 Where the authorization of an entrusted agent is in written form, the name, authority and time limit of the agent shall be clearly stated and sealed.

Second, do I have to sign an IOU?

The loan needs my signature.

Application conditions:

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank.

Processing flow:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for the loan;

3. Face-to-face signing of banks or lending institutions;

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.

Can I sign the loan on my behalf?

The loan contract can be signed by the agent, but if there is no authorized agent, other people may not sign it. According to the regulations, personal loan applications should meet the following conditions: 1, the borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; 2. The purpose of the loan is clear and legal; 3. The loan application amount, term and currency are reasonable; 4. The borrower has the willingness and ability to repay; 5. The borrower's credit status is good and there is no significant bad credit record; 6. Other conditions required by the lender. The materials required for the loan are as follows: 1, ID card of the borrower and spouse, household registration book or valid residence certificate, residence address certificate and marital status certificate; 2 proof of the borrower's spouse's commitment to repay the loan; 3, engaged in production and business license, engaged in licensed business, should provide the original and copy of the business license of the relevant administrative departments; The partnership enterprise or corporate enterprise shall also issue the original and photocopy of the partnership agreement or articles of association, capital verification report and capital contribution agreement; 4. Proof of loan use (such as house purchase contract, etc.). ); 5, production and business activities of the tax certificate; 6. The borrower's pledge certificate, the list of collateral (pledge) and ownership certificate required to obtain the pledge and mortgage loan amount, the written document of the owner and the property agreed to be pledged or mortgaged; 7. Collateral appraisal report issued by the appraisal department recognized by the bank; 8. Other information required by the bank. Legal basis: Article 162 of the General Principles of the Civil Law of People's Republic of China (PRC) * * * The civil legal acts carried out by the agent in the name of the principal within the scope of agency authority shall be effective for the principal. Article 165 If the power of attorney is in written form, it shall specify the name of the agent, the matters to be represented, the authority and the time limit, and shall be signed or sealed by the principal.

4. Can bank loans be signed on behalf of others?

You can't. You need to sign your own name and press your fingerprints.