Is it worth waiting for problems if you took out a loan, but instead of buying you put money into your account?

Nalog.nl is getting all kinds of questions. There are also those related to consumer loans. For example, something like this:

“I have 30 thousand in my account. The purchase I have in mind also costs 30 thousand. I plan to spend 10 thousand of my own and borrow the remaining 20 thousand from the bank. The salary allows you to request a loan for this amount, but the problem is that there is some delay with the documents and the process is delayed. Question: if I now make a purchase with my own money, and then, after approval and receipt of a loan, I deposit the money into my account, should I expect any problems with the bank or anything else? Thank you in advance".

Sergey Graf, Head of B2B and Legal Department, answers:
“We need to look at the terms of the loan. Most often, loans are taken out for specific purposes: buying a car or boat, remodeling a home, or refinancing other debt. In this case, the described scheme is not applicable. If you take out a non-targeted (consumer) loan, then the bank will only care about timely periodic payments, that is, there should be no problems.
In any case, it is necessary to evaluate the terms of a loan product only on the basis of documents on it from the bank.”