Are the verbal promises made by bank employees to customers valid?

A verbal promise is only a clear result of the matter, and if there is no evidence to prove the verbal promise, it is invalid if one party reverses it, and if there is a live recording to prove it, it is valid.

As long as you believe, maybe it will work. Why, though? Whether it is for business or private, when doing things, it is to write down the evidence, and the parties must sign or press their fingerprints?

That's because there are too many examples that prove that there is no basis for oral claims, empty words, and if you want to repent, you will say whatever you want. Evidence was left behind, and that was just in case. Even at the level of the law, it is only the evidence.

Whoever has the evidence, in black and white, will have a great chance of winning. If there is no evidence, it is only a verbal promise, what if he repents? What if he said (I didn't say anything like that)?

Well, the problem will be much more complicated.

The verbal agreement reached between the bank staff and you must be regarded as not corresponding to you, if it is to be effective, it is a modest contract, and then do her bank's personal behavior has nothing to do with the bank, so your personal verbal printing has no meaning at all, nor does it have any effect.

If the verbal promise of any department is invalid, don't believe it, it must be written in black and white, and the official seal will be effective.

Regardless of whether the promise is valid or not, you should pay back the money you owe to your credit card on time or the bank will sue you. There will also be a stain on your credit report, affecting your work life.

Any promise between any department or member is invalid and is not protected by law!!

The first is to learn from the lessons, and verbal promises are risky.

The second is that there is also legal responsibility for verbal promises, the problem is that you have to prove the authenticity of verbal promises, and it will be troublesome if banks and developers deny it.

Third, we should learn lessons in the future, try our best to make agreements in written form, and do not believe them as if they were just words.

1. Let's take a look at what to do if the loan cannot be handled as stipulated in the contract.

2. If the agreement is unfavorable to you, it depends on whether you have evidence to prove that the developer has verbally promised to approve the loan before you signed the contract.

The above analysis is for reference and requires specific help, so it is recommended to bring materials to a lawyer for specific communication and analysis. After the consultation is completed, please take it in time to end the consultation.

Unless you receive a disbursement SMS

In this case, you are responsible for it, and the bank is not responsible because you are buying the insurance yourself. However, since you have purchased insurance, don't take it out, because once you take it out and terminate the contract, you will lose a lot of money. Nowadays, some insurance companies can use policy mortgages, and if you need money urgently, you can find an insurance company, and the interest rate is not high, which is lower than the interest rate of going to the bank for a loan.

As for your credit investigation, unless the intermediary has given you a written commitment in this regard, there is no contractual basis, and you cannot prove that the other party has breached the contract, and you cannot claim that the other party bears the liability for breach of contract.

You can ask the agency to compensate you a little. But if you can borrow, forget it, after all, there is no situation where you can't borrow, and if there is a situation where you can't borrow. You can sue the intermediary

For the sale and purchase of second-hand houses, there is no risk that the loan may not be 70% before signing the contract, so the contract states that if the loan is less than 70%, you need to pay the difference. Please ask whether there is an inducement element at the scene where the intermediary signs the contract and does not prompt this risk?

Effective. According to Article 54 of the General Principles of the Civil Law of the People's Republic of China, civil juristic acts refer to the lawful acts carried out by citizens and legal persons for the purpose of establishing, modifying, or terminating civil rights and obligations.

Article 56: Civil juristic acts may be in written, oral, or other forms. Where the law provides for the use of specific forms, it shall be in accordance with those provisions.

Article 57: Civil juristic acts have legal effect from the date of their establishment, and the actor may not arbitrarily modify or rescind them except in accordance with the provisions of law or with the consent of the opposing party.

To sum up, an oral commitment is a kind of lawful act carried out by citizens and legal persons for the purpose of establishing, changing, or terminating civil rights and obligations.

According to the above-mentioned legal provisions, civil juristic acts may be in written, oral or other forms.

Therefore, it can be determined that an oral promise has legal effect, and its effect takes effect from the beginning of the promise, that is, when the civil juristic act is established. The person who makes the promise is bound by the promise, and the person who makes the oral promise may not change or break his promise at will, except in accordance with the provisions of the law or the consent of the other party.

This is also in line with the embodiment of the judicial spirit that civil juristic acts should abide by the principle of good faith. The source of law comes from the social morality of a country, and since ancient times, there has been a saying that "people do not stand without trust". This also reflects the importance that social ethics and the law attach to keeping promises.

(1) In the case that the promising party acknowledges the content of the original oral commitment: it has legal effect.

2) In the event that the promising party no longer acknowledges the original oral commitment, if the other party has evidence to prove the content of the original oral commitment, it will also have legal effect. Where only oral promises are made, if there are audio or video recordings, insider certificates, or other proof of the content of the oral promise, a lawsuit may be filed with the court to request performance of the original promise.

Audio recordings can only be used as a reference basis for judging evidence, not objective evidence. But you can use the recording to defend your rights, and the court will consider using it partially when there is no other more convincing evidence.

Any words and deeds of the ordinary salesperson of the real estate company are to answer to you on behalf of their company, and you do not know the scope of his promise, but you can let him fulfill his promise, if he can't fulfill it, you can ask for compensation for the losses caused to you because of his promise

Verbal promises cannot be relied upon for any transaction. Not to mention going out, you can immediately disown it on the spot, the leader will say that it is a temporary worker, do not count, all transactions, subject to the contract, and must be the official seal of the bank, the chapter of other units, the bank does not recognize the account, don't look at the contract you are doing in the bank hall.

If you mortgage your house in your name, then if your ex-wife doesn't repay the loan, you're the lender and you're legally responsible for repaying the loan, and you need to repay the loan even if you two have an agreement.

It's not you who took out the loan, you're the guarantor, so you can't check your loan records. This record is in your ex-wife's credit report.