Regular bank borrowers need to submit a series of materials to the bank in addition to their ID cards, including

(1) loan application approval form; (The lender shall fill in directly at the lending institution)

(2) Residence address or invoice of paid water and electricity fee)

(3) Work

(4) Other regulations of 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, I didn't sign the loan contract myself, but what about my name?

I didn't sign the loan contract, which doesn't mean the contract is invalid, but the validity of the contract is to be determined. Whether the contract is valid or not depends on whether the borrower knows the contents of the contract, agrees to the terms of the contract and entrusts an agent to sign it.

As long as there is enough evidence to show that the loan contract is the true meaning of the borrower, and the loan has indeed been credited to the borrower's account, the loan contract is valid. If the borrower is completely ignorant and does not receive the loan, the contract will have no effect.

Third, I sign a bank loan on behalf of someone else's husband. What is the legal responsibility?

You pay back the money

4. Is it the responsibility for others to ask me to sign the IOU for him?

Sign other people's IOUs. If this person has an accident in the future, the legal liability of the signatory depends on the specific circumstances: if the signatory signs as an agent and has legal agency procedures, and the lender knows that he is an agent, the signatory will not bear legal liability and actually repay the loan. If the signatory signs the loan for others outside the above circumstances, the signatory belongs to the lender in the civil legal relationship and has the legal obligation to repay the loan. Legal analysis insider's signature may be listed as guarantor. The guarantor of a general guarantee may refuse to undertake the guarantee liability to the creditor before the main contract has been tried or arbitrated and the debtor's property has not been enforced according to law. If the debtor with joint and several liability guarantees fails to perform his obligations at the expiration of the debt performance period agreed in the master contract, the creditor may require the debtor to perform his obligations within the scope of his guarantee, or may require the guarantor to assume the guarantee liability. If the parties have not agreed on the way of guarantee or the agreement is unclear, they shall bear the guarantee liability according to the joint and several liability guarantee. It depends on whether you are a borrower or a guarantor, but you need to bear the repayment obligation. The debtor and guarantor shall pay off their debts in time. If the debtor fails to pay off the debt on time, the creditor may claim compensation from the people where the person subjected to execution is located; If a person refuses to pay back, the people have the right to enforce it according to law, and the property of the person subjected to execution shall be sealed up, frozen, transferred or changed in price according to different circumstances. If the people's court finds that the debtor is really unable to execute, it shall make an order to suspend execution. After the suspension disappears, execution shall be resumed. If the other party refuses to implement it, if the circumstances are serious, it shall be suspected of refusing to implement it and shall bear criminal responsibility. Civil Procedure Law Article 242 If the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people have the right to inquire about the deposits, bonds, stocks, fund shares and other property of the person subjected to execution from the relevant units. The people have the right to detain, freeze, transfer or change the property price of the person subjected to execution according to different circumstances. The property inquired, sealed up, frozen, transferred or converted by the person subjected to execution shall not exceed the scope of obligations that the person subjected to execution shall perform. According to Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, the borrower shall provide a guarantee for the loan of a commercial bank. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.