Guarantee companies will help people guarantee loans.
This is Beijing Hengyuan Co., Ltd. shifting risks and asking you to add a guarantee company.
The guarantee company will ask you to issue collateral or find a counter-guarantee unit or individual.
This will increase your loan cost.
Second, what documents are needed to help others get loans?
Helping others to guarantee loans requires the following documents: 1, the original and photocopy of the guarantor's second-generation ID card; 2. Wages provided by banks or other vouchers that can prove their income; 3. The guarantee commitment letter filled out by the guarantor shows that it is willing to provide guarantee for the borrower and fulfill the corresponding obligations; 4. If there is collateral, proof of ownership relationship is required. Guarantee is a measure taken to ensure the realization of debt. Guarantee is the main legal relationship and guarantee is the subordinate legal relationship. Guarantee, including life insurance, property insurance and money guarantee. Property guarantee, that is, security interest, takes the exchange value of property as the guarantee to realize creditor's rights. The system of security interest in modern civil law countries is inherited from the system of security interest in Roman law, including mortgage, pledge and lien. Among them, the object of mortgage includes three categories, namely movable property, real estate and usufructuary right of real estate. The object of pledge includes two categories, namely movable property and right. There is only one object of lien, namely chattel. People's insurance is a guarantee, which takes people's credit as the guarantee for the realization of creditor's rights, including general guarantee and joint guarantee. Its establishment is arbitrary, requiring the guarantor and the creditor to conclude a written guarantee contract without transferring the possession of the subject matter. Money guarantee is a deposit, which is guaranteed by a specific currency. Its establishment also belongs to a will, and both parties need to sign a written deposit contract to transfer the possession of the subject matter. According to Article 527 of the Civil Code of People's Republic of China (PRC), if the party who should perform the debt first has conclusive evidence to prove that the other party has one of the following circumstances, it can suspend the performance: (1) the business situation has seriously deteriorated; (2) Transferring property or withdrawing funds to avoid debts; (3) Loss of business reputation; (four) there are other circumstances that have lost or may lose the ability to perform debts. If a party suspends performance without definite evidence, it shall be liable for breach of contract. Article 528 Where a party suspends performance in accordance with the provisions of the preceding article, it shall promptly notify the other party. If the other party provides an appropriate guarantee, it shall resume performance. After the suspension of performance, if the other party fails to recover its performance ability within a reasonable period of time and fails to provide appropriate guarantee, it shall be deemed that it has failed to perform its main debts by its own actions, and the party that suspends performance may terminate the contract and request the other party to bear the liability for breach of contract.
Third, help people guarantee loans.
People are unpredictable. If you can refuse, don't proudly help guarantee. The first level of responsibility has been very clear.