The loan contract must be signed by the lender himself and take effect according to the fingerprint.
Bank loan process:
The process of formal bank handling is as follows: First, the borrower needs to submit a series of materials to the bank except the ID card, including
1, loan application approval form;
2. Proof of address;
3. Proof of occupation and income; And other information required by the bank.
Secondly, after the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract.
Finally, the bank issues loans to borrowers through transfer.
Second, the loan must be fingerprinted?
It is absolutely necessary. Signature handprint bank loan guarantee is a kind of loan guarantee method, which means that the guarantor and the lender agree that when the borrower fails to perform the loan debt at maturity, the guarantor will perform the loan debt as agreed.
3. Is it legal for a bank loan not to be fingerprinted?
If it is legal, it must be signed by myself, and it is not mandatory by law whether to press the handprint. But in reality, in most cases, I am required to press the fingerprint at the same time when I sign, and my failure to press the fingerprint will not affect the legal effect. Article 490 of the Civil Code of People's Republic of China (PRC): If the parties conclude a contract in the form of a contract, the contract is concluded when the parties sign, seal or fingerprint it. Before signing, sealing or fingerprinting, one party has fulfilled its main obligations, and the contract is established when the other party accepts it. A contract shall be concluded in written form as stipulated by laws, administrative regulations or agreed by the parties. If the parties do not do this in writing, but one party has fulfilled its main obligations and the other party accepts it, the contract is established.
Four, whether any loan should be signed by the parties.
The loan contract must be signed by the lender himself and take effect according to the fingerprint.
Bank loan process:
First of all, the borrower needs to ask for silver materials, including
1, loan application approval form;
2. Proof of address;
3. Proof of occupation and income; And banking regulations
Secondly, after the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract.
Finally, the bank issues loans to borrowers through transfer.