I have to do it myself, but I suggest that you don't lend your ID card to others as a loan guarantee, because if you find someone similar to you, the bank may not find out. If there is a problem with the loan in the future and the borrower is unable to repay it, you should also bear the responsibility of the guarantor. If it is a joint guarantee, after the loan expires, the bank can choose to ask the borrower and the joint guarantor to bear the repayment responsibility. Where a general guarantee is agreed, the bank may require the general guarantor to assume the guarantee responsibility when the debtor fails to perform the repayment obligation. The ways of guarantee in Article 16 of the Guarantee Law are as follows: (1) General guarantee; (2) Joint and several liability guarantee. Article 17 If the parties agree in the suretyship contract that the surety shall bear the suretyship liability when the debtor fails to perform the debt, it is a general suretyship. The guarantor of a general guarantee may refuse to undertake 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. Under any of the following circumstances, the guarantor shall not exercise the rights stipulated in the preceding paragraph: (1) the debtor's domicile changes, and it is difficult for the creditor to ask him to perform his debts; (2) The people's court accepts the bankruptcy case of the debtor and suspends the execution procedure; (3) The guarantor waives the rights stipulated in the preceding paragraph in writing. Article 18 Where the parties agree in the suretyship contract that the guarantor and the debtor shall be jointly and severally liable for the debts, it is a suretyship of joint liability. 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.

Second, my friend took my ID card and asked me to be a loan guarantor. I didn't sign it myself, and I didn't have any fingerprints. If the money is not paid back when it is due, can I be considered as a guarantor? have

Not really. You must sign it yourself. Just take your ID card. You can deny all this.

3. My friend asked me for my ID card, went to the bank for a loan, or was a guarantor. Does it matter if I don't sign it myself?

You can apply at the local bank.

Application conditions:

1, China aged 18.

2. Have a stable address and work or

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used.

5. Requirements of banks.

Processing flow:

1. Submit an application to a local bank or lending institution;

2. Required for loan preparation

3. Face-to-face signing of banks or lending institutions;

4. Bank audit

5. Approved and successful loans. If a friend asks me for an ID card, goes to the bank for a loan, or is a guarantor, does it matter if I don't sign it myself?

Are you there?

Four, my friend that my ID card, go to the bank loan, or guarantor, I don't sign with me. ...

It is said that you won't show up in person or sign it.

Others can't get a loan or sign a guarantee agreement with your ID card.

The bank will check whether the holder and the certificate are the same person.

Of course, there are exceptions to everything,

It is not excluded that people in the bank collude with outsiders, and you lend money and make a guarantee without being present.

This possibility exists, but it is very small.

If I ask you for repayment in the future, you can also say that you didn't sign it and don't have to bear the responsibility.

What you really need to worry about is that your friends have gone to some small loan companies or financial companies with your certificate.

If you borrow it, you'll be in big trouble.