Teachers' occupation and income are stable and reliable, and they can apply for secured loans as guarantors. However, it is not so easy to apply for a secured loan. On the one hand, the third-party guarantor you provide must be willing to guarantee your loan and bear joint liability. On the other hand, if the guarantor agrees to guarantee the borrower, his guarantee qualification must be recognized by the lending bank before he can apply for a secured loan. Article 687 of the Civil Code of People's Republic of China (PRC) stipulates in the suretyship contract that when the debtor fails to perform the debt, the surety shall bear the suretyship responsibility, which is a general suretyship. The guarantor of a general guarantee has the right to refuse to assume the guarantee liability to the creditor before the main contract has been tried or arbitrated and the debtor's property has been enforced according to law, except in one of the following circumstances: (1) The debtor's whereabouts are unknown and there is no property for execution; (2) The people's court accepted the bankruptcy case of the debtor; (3) The creditor has evidence to prove that the debtor's property is insufficient to perform all debts or cannot perform debts; (4) The Guarantor waives the rights stipulated in this clause in writing. Article 691 The scope of suretyship includes the principal creditor's right and its interest, liquidated damages, damages and expenses for realizing the creditor's right. Unless otherwise agreed by the parties, such agreement shall prevail. Article 692 The suretyship period is the period during which the surety assumes the suretyship responsibility, and may not be suspended, interrupted or extended. The creditor and the guarantor may agree on a guarantee period, but if the agreed guarantee period expires before or at the same time as the performance period of the principal debt, 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. Where the creditor and the debtor have not agreed or clearly agreed on the time limit for the performance of the principal debt, the guarantee period shall be counted from the date when the grace period for the creditor to request the debtor to perform the debt expires.
Why not give the teacher a loan guarantor?
Teachers are not allowed to provide guarantees for others.
As a loan guarantor, when the borrower fails to repay the loan on time, the guarantor must repay it on behalf of the contract. In other words, even if you don't borrow money, you have the obligation to repay it as a guarantor.
Teaching and educating people should establish a correct outlook on life and values for students. Being a guarantor will involve many problems and may also affect your credit.
I am a teacher, and my relatives let me borrow money from the bank. I hesitate. Can I promise?
I can't. If the other party can't pay back the money, you should bear the corresponding responsibility, not just make a guarantee.
I am the guarantor of the teacher's first loan after retirement.
A 70-year-old retired teacher who meets the following conditions can be used as a loan guarantor: the guarantor has full capacity for civil conduct and can independently carry out civil legal acts; The guarantor has certain economic ability; And willing to provide guarantees for debtors.
legal ground
Article 18 of the Civil Code
Adults are people with full capacity for civil conduct and can independently carry out civil legal acts.
/kloc-Minors over 0/6 years old whose main source of livelihood is their own labor income are regarded as persons with full capacity for civil conduct.
Article 386
Unless otherwise provided by law, in the case that the debtor fails to perform due debts or the parties agree to realize the security interest, the holder of the security interest has the priority to be compensated for the secured property.
Article six hundred and eighty-three
A legal person organ may not act as a guarantor, except for loans to foreign governments or international economic organizations approved by the State Council.
A legal person not for profit or an unincorporated organization for public welfare may not act as a guarantor.
A teacher in Shandong was cheated to help students make loan guarantees. Does he need to pay the debts of the female students?
Because it is a loan guarantor, the guarantor needs to pay back the money after the borrower runs away. Teachers in Shandong are also unlucky. He was cheated by the students and paid off all the loans after working for three years. The old teacher is also very old, 65 years old, and the student is also very heartless.
We often say that good people are rewarded, but some people are too kind and easy to be deceived. For example, this Shandong teacher has a special trust in students and becomes their guarantor when they want to borrow money. With the help of the teacher, the student borrowed a loan of 1.8 million yuan, but the student didn't pay it back afterwards. When it disappears, the guarantor will be called. The teacher is also very honest, and when he made a mistake, he assumed the responsibility of repayment. The students have blacked out the teacher and can't get in touch at all. It can also be seen that the law is ruthless. If you become a guarantor, you need to bear corresponding responsibilities. So be careful as a guarantor, don't trust others too much, and be sure to live your own life.
Some netizens may think that it is very wrong for the guarantor to pay back the money, but we must also understand a way to pursue responsibility. The bank will chase the guarantor's money and the guarantor will pay back the money. But the borrower is the actual beneficiary, so the guarantor can also get this part of the money back through the borrower. But the money must be paid off first, so this is a very heavy debt, which makes people breathless. Students borrowed a small loan company and went to the old man's son's company all day, which also forced them to repay. I also hope people can be rational and understand that not all people can believe that not all people are good people. Some people are born with no moral bottom line. They cheat when they can, and they don't feel guilty.
In this society, good people need to pay more attention to protect themselves and not be deceived by some bad people.
So much for the introduction of the teacher loan guarantor.