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问题
借款人未按约定的用途使用借款的后果
释义
借款人擅自改变贷款用途,并未得到贷款人同意的,这是一种违约行为,贷款人可以按照借款合同约定停止发放借款提前收回借款或者解除合同。
这是由于贷款人是根据贷款用途来确定借款人的偿还能力从而同意贷款的,如果借款人擅自改变借款用途,可能会导致贷款人到期不能收回贷款。
法律依据:
根据《民法典》第673条规定:借款人未按照约定的借款用途使用借款的,贷款人可以停止发放借款提前收回借款或者解除合同。
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更新时间:2026/2/8 6:41:05