1 Relatives and friends: Usually, we will ask our known and familiar relatives, friends or colleagues as guarantors, such as parents, brothers and sisters, relatives and friends, etc. But under normal circumstances, husband and wife can't be guarantors for each other and the same person at the same time. Agency: If you can't find someone you know as a guarantee, you really can't find a special guarantee company. First consult and select the guarantee company, and then submit the loan application, identity certificate, work certificate and other materials to the guarantee company, which will accept the project. Then the guarantee company will conduct a comprehensive and all-round investigation, and then conduct examination and approval after the investigation. : 1, the guarantor's liability expires in a few years. The time limit for the guarantor to assume responsibility shall be agreed by the creditor and the guarantor. If there is no agreement, it is usually six months. The legal basis is Article 692 of the Civil Code: the creditor and the guarantor may agree on the guarantee period, but if the agreed guarantee period expires before or at the same time as the main debt performance period, it is deemed that there is no agreement; If there is no agreement or the agreement is unclear, the guarantee period shall be six months from the date of expiration of the main debt performance period. 2. Will the responsibility of the guarantor hurt the family? If there is no responsibility, it is only the responsibility to the guarantor, not the responsibility to the guarantor's family. If the debtor pays off the debt, the guarantor does not need to bear the responsibility. If the debtor can't pay off the debt, it depends on whether the guarantor has signed a general guarantee or a joint liability guarantee. If it is a general guarantee, it is necessary to ask the guarantor for compensation until the debtor is really unable to repay it; If it is a joint and several liability guarantee, the creditor may directly ask the guarantor to compensate the guarantee amount (which is the guarantee amount agreed in the guarantee contract) after the debt is overdue, and after compensation, the guarantor may obtain the subrogation right and ask the debtor to repay the compensated debt. 3. Why should the real estate license be the guarantor? The bank asks you to show your real estate license to check the credit rating of the guarantor, that is, to see if you are able to repay the debt for your friend when he is unable to repay the debt. Although you didn't use real estate as collateral for his loan, when your friend is unable to repay the debt, the bank requires you to bear the guarantee responsibility. When you have no other property to bear the responsibility, the bank can apply to execute your real estate to pay off the debt. 4. How does the guarantor protect himself? In fact, the risk of being a loan guarantor is very great. When the guarantor guarantees for others, it is suggested that the loan guarantor learn to "protect himself" and ask the guarantor to provide counter-guarantee to protect himself. Article 4 of China's Guarantee Law stipulates: "When a third party provides a guarantee for the debtor to the creditor, it may require the debtor to provide a counter-guarantee." Counter-guarantee is a guarantee specially set up for the secured debt. When the debtor asks for a guarantee, the guarantor has the right to ask him to provide the corresponding person or thing as a prerequisite for his undertaking the guarantee responsibility. The establishment of counter-guarantee is essentially to share the guarantee responsibility. In a contract with heavy guarantee responsibility, the greater the counter-guarantee responsibility, the smaller the guarantee responsibility of each guarantor, and the risk of property loss is relatively reduced.
2. How can I find the guarantor of the loan?
1. A loan guarantor refers to a legal person, other organization or citizen who has the ability to pay off debts on behalf of the guarantor and creditors and can act as a guarantor.
2, schools, kindergartens, hospitals and other public institutions and social organizations for the purpose of public welfare shall not become guarantors.
3. Branches and functional departments of an enterprise as a legal person shall not act as guarantors.
4. No unit or individual may force banks and other financial institutions or enterprises to provide guarantees for others; Banks and other financial institutions or enterprises have the right to refuse to force them to provide guarantees for others.
5. you can find a civil servant or a guarantee company to guarantee.
3. I want to borrow money to buy a house and find a guarantor. What should I do?
To apply for a mortgage loan to buy a house, you only need to provide the bank with proof of income and relevant information, without a guarantor. First-hand housing mortgage loan application conditions 1, with proof (resident ID card, household registration book or proof of my marital status; 2. Have a wish; 3, with a stable source of income and the ability to repay the loan principal and interest in full and on time; 4. Commercial housing sales (pre-sale) contract or letter of intent signed with the purchaser; 5, powerful; 6. It is opened in a bank and has a valid guarantee recognized by the lender; First-hand housing mortgage loan application materials 1, ID card proof of marital status; 3. Proof of repayment ability and income; 4. The paid real estate developer has signed a legally binding * * * agreement with the borrower or the * * * owner. * * has signed a * * * agreement with the borrower with relevant identity documents and a letter of commitment to agree to mortgage, and needs to provide repayment and other information required by the bank. If you need a loan, recommend Easy Loan China Consulting Loan Service-Easy Loan China Loan in China can solve the problem as quickly as possible-you only need to fill in your loan demand and your information (you don't need to fill in personal identity information and other privacy), and the financial planner in Easy Loan China will analyze your loan demand and information, and then choose the bank that suits you in your place of residence. In this case, you have the right to choose any bank. This kind of loan is especially recommended here. You can try it. 30 1 Easy Loan China is an online platform for applying for loans. Cooperate with more than 20 banks/microfinance companies nationwide, including China Bank, China Industrial and Commercial Bank, bank of dalian, Industrial Bank and Shanghai Pudong Development Bank, and accept online loan applications from all over the country. E-Loan China loan application process: online application-E-Loan China financing consultant contacts the applicant and reviews it-submits the application to the bank/micro-loan applicant-signs the loan contract. One application business, many financial institutions respond! Generally, the application time for personal loans is 1 to 2 weeks, and the application time for corporate loans is 2 weeks 1 month! Time, reduce the cost of lending! Easy Loan China Easy Loan China has many kinds of loans, including personal credit loans and handling fees. Other types of loans will charge 2%-3% service fees. This is the lowest service fee among peers, and this is the loan promise: no task fee will be charged until the loan is obtained! Friendly reminder: the online application will be reviewed on the same day (9: 00- 18: 00, except weekends). Please keep the phone/mobile phone open so that the financing consultant can contact you to verify the situation. The phone check failed three times, and the loan was not approved in the first instance. Generally, after online application, the financing consultant will contact you by phone on the same day (9: 00- 18: 00) to provide a suitable financing plan for the loan applicant.
4. My friend wants a loan and let me be the guarantor?
If they run away, they will find a guarantor to operate, right? Think for yourself.