2. If your company is not a limited company, you may ask the company to help the legal person repay the loan.
3. However, if your company reorganizes and removes him from the corporate shareholders list, if there is a problem, your company can basically be excused by saying that this person has left.
4. During the repayment period, the change of your company's legal person has no influence.
If it is a commercial loan, please try to avoid letting the bank know about the change of legal person, which may cause unnecessary trouble.
Extended data
1, the income certificate should be consistent in a short time.
Some property buyers provide inconsistent income certificates when applying for mortgage loans, so banks are likely to focus on the reasons for the inconsistency. Once they find false information, they are likely to refuse to lend, and what's more, they have to bear legal responsibility.
2. Don't forge proof of income.
When providing proof of income, the buyer shall not falsify. If the income certificate is false, once it is discovered by the bank, it will not only be refused a loan, but also face legal responsibility. Even if you are lucky enough to get a loan, the bank's risk control will find out again, so that the bank can immediately recover the loan that has been issued.
3. The higher the income certificate, the better.
Banks will require borrowers' monthly income when approving mortgages: generally, borrowers' monthly income is required to be twice that of mortgages. Although the monthly income directly affects the loan amount, the higher the loan amount, the better. For example, if you work in a newly established small company and have a certificate of tens of thousands of dollars a month, it will only attract the attention of the loan examiner.
4. There may not be much proof of income.
Some property buyers think that the more information about income proof, the better. In this regard, what Bian Xiao wants to say is that the information about income proof is refined but not much, and information with high gold content can give borrowers extra points, such as equity and dividends.
References:
Phoenix net -6 hidden rules! Is it really better to buy a house with a loan?