If you don't get a bank loan at your registered permanent residence, you definitely need a guarantor, preferably a teacher, doctor or civil servant.

2. What information does the loan guarantor need to provide?

To be a guarantor of other people's bank loans, you generally need the original ID card, photocopy, household registration book, monthly income certificate and running bill of the guarantor. \ Qualification of bank loan guarantor: \ (1) A natural person with full capacity for civil conduct, aged between 18 and 65; (2) Having legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status; (3) Having a good credit record and willingness to repay; (4) Have a stable source of income and the ability to repay the loan principal and interest in full and on time; Most importantly, when the lender cannot repay the loan, the guarantor will repay the loan principal and interest for the lender. Responsibility of loan guarantor: As long as they are citizens of China, they are eligible to guarantee. Do not have the ability to guarantee, by the credit department of financial institutions to assess. After the assessment is passed, the guarantor shall be jointly and severally liable for the debt. That is, once the debtor fails to repay the debt, the creditor has the right to ask the guarantor to bear the debt. \ Note for loan guarantor: \ It is suggested that it should be stated in the guarantee contract that you can only perform the guarantee responsibility if the creditor cannot recover the loan through litigation. This will protect the rights of your guarantor to the maximum extent. For example, as long as the debtor has a suite that has not been auctioned, the guarantor can refuse to perform the guarantee responsibility. Loan guarantee refers to the legal act that the borrower or the third party provides a legal measure to guarantee the creditor to realize the creditor's right according to the contract. When the debt is not paid off at maturity, the creditor shall exercise the security right to pay off the creditor's rights according to law. The sufficiency and reliability of loan guarantee directly affect the judgment of loan quality. Especially when the borrower's first repayment source can't meet the repayment demand, the loan guarantee often changes from the second repayment source to the direct and realistic repayment source.

3. Do you need a guarantor for the loan?

Generally speaking, there is no clear stipulation that applying for a loan must be guaranteed by a guarantor. The reason why the borrower is required to provide guarantee is mostly because the borrower's qualification is not good enough, and the lending institution only asks the borrower to provide guarantee when it feels that there is risk. If the borrower's income is stable and his personal credit is good, it is easier to apply for a loan. Of course, in addition to the guarantor, the borrower can also apply for a loan if he can provide relevant collateral, such as real estate and cars. In the case of goods guarantee, the borrower is likely to apply for a loan even if his personal qualifications are average. However, different lending institutions have different regulations, and the specific circumstances require borrowers to implement them in accordance with the regulations of relevant institutions. Extended material 1. A guarantor is a guarantor. When the debtor fails to perform the debt, the guarantor must continue to perform the debt as agreed. Guarantors include legal persons, other organizations or citizens who have the ability to pay off debts on their behalf. 2. If the branch of an enterprise as a legal person provides a guarantee without the written authorization of the legal person, the guarantee contract is invalid. If the functional department of an enterprise as a legal person provides a guarantee, the guarantee contract is invalid. 3. Institutions and social organizations aiming at public welfare cannot serve as guarantors. If an institution or social organization engaged in business activities acts as a guarantor, the guarantee contract signed by it shall be deemed valid. 4. If the borrower's credit status is not very good, the bank will ask him to provide a guarantor when applying for a loan, then what conditions does the loan guarantor need? The guarantor must be 18-65 years old and have full capacity for civil conduct; (2) The legal and valid identity certificate of the guarantor; (3) Have a stable source of income and the ability to repay in full and on time; ④ Have a good credit record. 5. Reminder: Guarantors are generally jointly and severally liable, that is to say, when the borrower can't repay, the guarantor needs to repay for him, so when you guarantee for others, you must find out the repayment ability and credit status of the guarantor. Operating environment: magic book Microsoft edge 96.0.1054.43.

4. Does the guarantor of the credit loan have legal effect?

Credit loans do not require a guarantor. If it is an additional guarantor, it has legal effect.