The loan contact person does not need to bear legal responsibility.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Matters needing attention in loan are as follows:
1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;
2. The loan purpose should be legal and compliant, and the transaction background should be true;
3. According to your repayment ability and future income expectations, choose the repayment method that suits you;
4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount does not exceed 50% of the total family income;
5. Read the terms of the contract carefully and understand your rights and obligations;
6. Repay on time to avoid bad credit records;
7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;
8. communicate with the bank one month in advance to apply for early repayment.
9. When a foreigner applies for a commercial loan, the general bank requires the borrower to have a stable income in the local area, and also to issue a household registration certificate at the place where the household registration is located (some banks also require a certificate of employment); Moreover, the housing guarantee company requires foreigners to apply for temporary residence permits in addition to local income.
Article 667 of the Civil Law of People's Republic of China (PRC) is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 700 After assuming the suretyship liability, unless otherwise agreed by the parties, the surety shall have the right to recover from the debtor within the scope of suretyship liability and enjoy the creditor's rights against the debtor, provided that the interests of the creditor shall not be harmed.
Popular science: my relatives left my phone number for a loan. Should I be responsible for the accident?
As the saying goes, a distant relative is not as good as a close neighbor. Maybe relatives will not see each other for a long time, and contact may bring you a lot of trouble. Many users are consulting. Now there are many black loans and small loans on the Internet. When relatives borrow money, the emergency contact fills it in for me. If he doesn't pay back, am I responsible?
1. What should I do if my relatives lend me their phone numbers?
Generally speaking, the phone on the left is often in the emergency contact column, so don't worry too much;
There is no legal responsibility for leaving a phone number unless you provide a verification code and bind your mobile phone number;
If you find that your mobile phone is related to microfinance, it is recommended to contact your relatives first, euphemistically indicating that you don't want to be disturbed, and hope that your relatives will delete the phone in time;
If relatives don't agree or don't want to, they can call the small loan customer service directly and submit relevant certificates, indicating that they want to delete the phone number;
Generally speaking, after being left with a phone number, you will face problems such as receiving advertising calls and collection calls.
Second, a relative left my phone number with a loan. Is there any liability risk?
No, when applying for online loans now, there are usually several commonly used phone numbers, such as emergency contacts;
If relatives can't afford to run away, then don't investigate the responsibility of emergency contacts;
Unless it is a secured loan, it needs to be signed as a guarantor, otherwise there is no repayment responsibility when filling in the phone.
Does the bank loan emergency contact person bear legal responsibility?
The bank loan emergency contact person does not need to bear legal responsibility. Because the emergency contact is not the guarantor, only the guarantor and the borrower have to bear the responsibility.
The emergency contact person is the spare mobile phone number, which belongs to the person who contacts the loan and does not involve responsibility. According to the relevant laws and regulations, a surety contract is a contract in which the surety and the creditor agree that the surety will perform the debt or assume the responsibility when the debtor fails to perform the due debt or the circumstances agreed by the parties occur.
The guarantee contract is a subsidiary contract of the principal creditor's rights and debts contract. If the principal creditor's rights and debts contract is invalid, the guarantee contract is invalid, unless otherwise stipulated by law.
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different.
For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.
Bank loan (bank loan)
According to different classification standards, there are many types of bank loans. For example:
According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;
According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;
According to the purpose or object of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans.
According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.
According to the loan scale, it can be divided into wholesale loans and retail loans;
According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans, and so on.
short-term loan
Short-term loans refer to loans with a loan term of 1 year (inclusive). Short-term loans are generally used for the liquidity needs of the borrower's production and operation.
The currencies of short-term loans include RMB and major convertible currencies of other countries and regions. The term of short-term working capital loans is generally about half a year, and the longest is no more than one year; Short-term loans can only be extended once, and the extension period cannot exceed the original period.
The loan interest rate is determined according to the interest rate policy formulated by the People's Bank of China and the floating range of the loan interest rate, according to the nature, currency, use, method, term and risk of the loan, among which the foreign exchange loan interest rate is divided into floating interest rate and fixed interest rate.
The loan interest rate is indicated in the loan contract, which customers can check when applying for a loan. There is a penalty interest for overdue loans.
The advantages of short-term loans are relatively low interest rates and relatively stable capital supply and repayment. The disadvantage is that it cannot meet the long-term capital needs of enterprises. At the same time, because short-term loans use fixed interest rates, the interests of enterprises may be affected by interest rate fluctuations.
My friend left my phone number for a loan. Will I be implicated?
At present, many loan platforms and applications are very simple, and many only need to submit their ID cards and work permits to make payments. In addition to personal information, it is often necessary to leave the phone numbers of family and friends. Why should I leave the phone numbers of my relatives and friends when applying for a loan? My friend left my phone number for a loan. Should I take responsibility?
Reminder: Leaving your phone number is a means to prevent risks. If the borrower follows the normal lending process, the loan company will not harass relatives and friends.
The general loan company will call the borrower's own phone number during the audit, and a few small loans will call their friends to verify the situation. Strictly speaking, they will ask about work, loan purpose, family situation, address and so on. Many small loan and loose loan platforms don't even call to verify, so don't worry too much about this.
If the borrower fails to repay the loan within the time limit, and can't contact or find anyone, then you can inquire about the relevant situation through the phone of the left-behind friend.
If you want to hide your loan, it is recommended not to overdue the repayment, otherwise you will definitely call your friends. If your friend borrows a loan and leaves your phone number, you will also receive a similar dunning call.
Then my friend borrowed a loan and left me a phone number. If he runs away after the deadline, should I take responsibility?
Reminder: you don't need to take responsibility.
In addition to guaranteeing the loan, you need to sign in the column of guarantor to confirm that you need to bear the repayment responsibility. If someone leaves you a phone number for a loan, you don't have to bear legal responsibility or repayment responsibility. If the loan company harassing, intimidating or threatening you by phone, you can ask the police for help.
Easy loan, if the emergency contact person leaves my phone number, do I have legal responsibility?
Easy loan, if the emergency contact person leaves my phone number, do I have legal responsibility?
First of all, the emergency contact is not a guarantor. You don't know about your friend's borrowing behavior, and you won't be recognized as a guarantor because your friend unilaterally fills in his name and phone number, so you don't need to bear any legal responsibilities related to repayment and debt collection. At the same time, it is illegal for online financial platforms to bomb emergency contacts by means of text messages and telephone calls.
Will the loan emergency contact person bear legal responsibility?
If you are just a loan contact, you don't need to bear legal responsibility; If it is a guarantor, it needs to bear the guarantee responsibility.
Relevant regulations: Article 18 of the Guarantee Law of People's Republic of China (PRC).
If the parties agree in the guarantee contract that the guarantor and the debtor shall be jointly and severally liable for the debt, it is a joint liability guarantee.
If the debtor of joint and several liability guarantee fails to perform the debt at the expiration of the debt performance period agreed in the main contract, the creditor may require the debtor to perform the debt, or may require the guarantor to assume the guarantee liability within the scope of its guarantee.
Article 19 If the parties have not agreed on the method of guarantee or the agreement is unclear, they shall bear the guarantee liability according to the joint and several liability guarantee.
What legal responsibility should the loan emergency contact bear?
The emergency contact person of the loan is not liable, but the guarantor is liable.
The loan emergency contact person is also different from the loan guarantor and does not need to bear the guarantee responsibility of repayment.
The loan guarantor refers to the behavior that the guarantor and the creditor agree that when the debtor fails to perform the debt, the guarantor will perform the debt or assume the responsibility according to the agreement. The guarantee contract requires the guarantor to voluntarily conclude a written form with the creditor.
The emergency contact person belongs to the spare mobile phone number for contacting the lender and does not involve responsibility. If you are not a guarantor, you only need to contact the lender to fulfill your responsibilities, and you have no obligation to help the borrower repay.
Is there any legal responsibility for personal consumption loans?
Hello, personal consumption loans are generally not criminally liable for breach of contract, but are responsible for timely repayment and interest. However, if the loan amount is large and it is found that the purpose of the loan is changed, this constitutes the possibility of fraudulent loans. If it is a fraudulent loan, it may be arrested and sentenced. It depends on luck.
What is the legal responsibility of an emergency contact who is lent without reason?
First of all, the emergency contact is not a guarantor. You don't know about other people's borrowing behavior, and you won't be recognized as a guarantor because others fill in their names and telephone numbers unilaterally, so you don't need to bear any legal responsibilities related to repayment and debt collection. At the same time, it is illegal for online financial platforms to bomb emergency contacts by means of text messages and telephone calls. One more thing, if you don't know the borrower, you can point it out directly with the loan platform, explain the situation, and let them not ask you for collection.
Does the intermediary have legal responsibility?
See if there is any guarantee. There is something, and vice versa. Now it is generally a mobile phone loan. For example, I use an American loan. It is convenient to download their app, fill in relevant information and pass the review.
Is there any legal responsibility for the intermediary to package a loan of 50 thousand yuan?
Two most effective ways to apply for a large credit card
One of the most effective methods: submit proof of property.
For large credit cards, the choice of bank credit cards is irrelevant. What matters is whether your real estate license meets the regulations of this bank.
Generally speaking, real estate license includes: real estate, automobile production, wealth management products, etc. Personal name.
Take Minsheng Bank as an example, its large credit cards are divided into diamond cards (with a quota of 200,000), luxury platinum cards (80,000) and standard platinum cards (40,000).
If personal property is provided, the required conditions are: standard platinum card requires the property value to be more than 800,000 yuan, luxury platinum card requires 6,543.8+0.6 million yuan, and diamond card requires more than 3.2 million yuan.
However, the bank does not accept the vehicle ownership certificate.
Guangfa Bank, China Merchants Bank, etc. Accept the relevant certificates of automobile production.
The second most effective method: using cards to handle cards.
It is an effective way to handle large credit cards with cards. Take Minsheng Bank as an example, there is no need to provide any additional proof of assets: the applicant is required to use the credit card for more than half a year, and the credit limit of the card is at least 40,000. The processing conditions are: the original card limit is more than 40,000, and the standard platinum card, luxury platinum card is more than 80,000, and the diamond card 15000 is more than that.
To apply for a large credit card, according to the standards of the bank scoring system, some conditions are used, such as good credit record, superior occupation, stable income and high deposit.
If the recommendation card can't be made, you can only spend money to find someone.
Get a card and withdraw cash. You can call me.
Is there any legal responsibility for HC's online loan?
have
Is the emergency contact responsible for the failure to repay the loan on time?
not have
The emergency contact person belongs to the spare mobile phone number for contacting the lender and does not involve responsibility.
If you are not a guarantor, you only need to contact the lender and fulfill your responsibilities.
If you are the guarantor, I tell you that the bank wants you to pay back the money. If it doesn't pay back, it will auction the lender's collateral first, and then it won't dare to sell your collateral.
Let's contact the lender early and pay back the money.
Is it legally responsible to answer someone's phone and impersonate his wife to verify the information loan?
Helping others answer the phone and pretending to be his wife to verify the information loan requires legal responsibility. If the other party is suspected, he has committed the crime of loan.
The crime of loan (article 193 of the Criminal Law) refers to the act of fabricating false reasons such as introducing funds and projects, using false economic contracts, false certificates, using false certificates of property rights as guarantees, repeatedly guaranteeing beyond the value of collateral, or lending a large amount to banks or other financial institutions in other ways. Loan crime is a kind of financial crime.
Article 193 of the Criminal Law stipulates that under any of the following circumstances, if a loan is granted to a bank or other financial institution for the purpose of illegal possession, if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan shall be imposed; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(a) fabricating false reasons such as introducing funds and projects;
(two) the use of false economic contracts;
(3) using false documents;
(four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral;
(5) Loans in other ways.
The introduction of legal liability of telephone loan ends here.