Under normal circumstances, there is no rigid requirement for this, but the information as a guarantor will also be reflected in its own credit report, and when applying for a loan, the lending institution will undoubtedly check the personal credit report. In other words, if the guarantor guarantees loans overdue, then your credit history will also be affected, and it will be more difficult to apply for a loan. However, if the guaranteed party's loan is repaid normally or only slightly overdue, the guarantor may still apply for a loan again. Of course, the necessary conditions for self-financing should also be met, such as a good credit record and stable income. In addition, as a loan guarantor, when the debtor fails to repay on time, the guarantor is needed to repay on his behalf. When the guarantor applies for a loan, the loan amount may be affected by the debt, and the loan amount is usually not very high, but the final amount should be comprehensively evaluated in combination with the repayment ability of the guarantor. Therefore, guarantee for others should be carefully considered. Be sure to know the borrower and ensure that the other party has sufficient repayment ability. Otherwise, once the borrower fails to repay the loan, the guarantor will assume the responsibility of repaying the loan.
Second, can the guarantor still make a loan after making a guarantee?
After the guarantor makes a guarantee, he can still make a loan as long as his own conditions meet the requirements of the lender.
legal ground
Article 17 of the General Principles of Loans stipulates that the borrower shall be an enterprise (institution) legal person with China nationality, other economic organizations, individual industrial and commercial households or a natural person with full civil capacity.
The borrower shall meet the following basic conditions when applying for a loan: the products are marketable, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed:
(a) has the ability to repay the principal and interest of the loan on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made.
Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments.
3. basic account or general deposit account has been opened.
Four, except for limited liability companies and joint stock limited companies stipulated by the State Council, the accumulated amount of overseas equity investment shall not exceed 50% of its total net assets.
Verb (abbreviation of verb) The borrower's asset-liability ratio meets the requirements of the lender.
Six, to apply for medium and long-term loans, the proportion of new project owners' equity in the total investment required by the project is not less than the proportion of investment project capital stipulated by the state.
Third, can the guarantor still make a loan after making a guarantee?
After the guarantor makes a guarantee, he can still make a loan as long as his own conditions meet the requirements of the lender. Legal basis: Article 17 of the General Rules for Loans of the People's Bank of China should be an enterprise (institution) legal person, other economic organizations, individual industrial and commercial households or a natural person with full civil capacity with People's Republic of China (PRC) nationality and approved and registered by the administrative department for industry and commerce (or the competent authority). The borrower applying for a loan should have the basic conditions such as marketable products, profitable production and operation, no misappropriation of credit funds, and abiding by credit, and should meet the following requirements: 1. The borrower has the ability to repay the principal and interest on schedule, and has paid off the original loan interest and the loan due; If there is no repayment, a repayment plan approved by the lender has been made. Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments. 3. basic account or general deposit account has been opened. Four, except for limited liability companies and joint stock limited companies stipulated by the State Council, the accumulated amount of overseas equity investment shall not exceed 50% of its total net assets. V. The borrower's asset-liability ratio meets the requirements of the lender. Six, to apply for medium and long-term loans, the proportion of new project owners' equity in the total investment required by the project is not less than the proportion of investment project capital stipulated by the state.
4. Can I still get a loan if I guarantee others?
can