Matters needing attention in handling loan cards and matters needing attention in handling them: 1. The loan card is a magnetic card issued to the borrower by the People's Bank of China where it is registered, and it is the qualification certificate for the borrower to apply for credit business from financial institutions. The loan card records the code and password of the loan card, which is the voucher for commercial banks to log in to the "Bank Credit Registration and Consultation System" to inquire about the credit information of customers. Getting a loan card does not mean that customers can get a bank loan immediately. The key depends on whether the credit status of the enterprise meets the requirements of the loan bank. 2. Cardholder: an enterprise (unit) legal person and individual operator holding a business license issued by the administrative department for industry and commerce; There is no need to apply for a loan card in the name of an individual, except that the individual is an enterprise (unit) legal person or individual operator to provide guarantee for the loan. Three. The loan card handling office conducts annual review on the loan card from March to June every year, and the loan card handled in that year does not need annual review. Materials required for enterprise application: ① loan card application form; (2) Business license of enterprise as a legal person (business license of unincorporated enterprise, original and photocopy of legal person registration certificate of public institution enterprise (other borrowers are photocopies of approval from superiors); ③ Original and photocopy of organization code certificate of People's Republic of China (PRC); (4) The original and photocopy of the capital verification report on the registered assets of the enterprise; The balance sheet of one month before receiving the card and the final statement of the previous year; The original and photocopy of the legal representative (or the agent or person in charge authorized by the legal representative) certificate and valid certificate (ID card); Review the authenticity and completeness of the submitted materials; ② The certificate, photo and table are consistent; (3) The balance sheet of the main financial indicators of the enterprise profile after the card issuing computer logs in; Materials needed for annual review ① Annual review report of loan card; The original and photocopy of the business license of the industrial and commercial department after the annual inspection; (3) A copy of the organization code certificate of People's Republic of China (PRC); (four) the final report of the previous year; ⑤ If the enterprise elements need to be changed, please bring the original and photocopy of the changed related materials; 6. Copy of the legal representative's ID card and legal representative's certificate. References:

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Second, what if the lender dies?

What if someone dies and owes a loan?

I have been engaged in bank credit for more than ten years. In your case, if the bank adopts the law of recovery, the bank has exceeded the limitation of action and the responsibility has always been the bank itself. Secondly, if the lender dies, the personal credit loan will not be pursued by others, but in your case, the bank is also right, which is completely tenable in law.

What about the borrower's death loan?

If there is no heir or the heir gives up inheritance, then the borrower's debt will go with everyone and it will be over!

For example, if you are terminally ill, you will get a loan from Taiwan Province to see a doctor. Let alone let the loan run away and can't get it back!

What about bank loans when people die?

There is no provision for children's repayment in the Inheritance Law. Article 33 An estate shall pay off the taxes and debts payable by the decedent according to law, and the payment of taxes and debts shall be limited to the actual value of the estate. The part exceeding the actual value of the estate shall be voluntarily repaid by the heir. The heir waives the taxes and debts payable by law. Article 34 of the Inheritance Law Taxes and debts that should be paid according to the law shall be repaid by my property.

What about the bank loan after the lender dies?

As long as the loan relationship exists and the debtor dies, creditors can still declare their claims according to law.

1. Interpretation of Several Issues Concerning the Application of Chinese in the Hospital of the Dead (II) Article 26 If one of the spouses dies, the surviving spouse shall be jointly and severally liable for the termination of the marriage relationship. If you don't know that there is an agreement between the deceased and the spouse, the property belongs to the other party during the marriage and requires payment. 2. The deceased should be repaid from the deceased's estate. While inheriting the estate of the deceased, the heirs also have the obligation to pay off the debts. Unless the successor's dissolution should be paid by other heirs. Therefore, it is also possible to require the heirs and family members of the deceased to pay off the debts of the deceased within the scope of the inherited property. 3. Others are willing to repay, who is willing?

The lender is dead. What should I do with the bank loan I owe?

In the chapter of Inheritance Law, it is said that when the decedent dies, there is a legal heir to inherit, and his successor has the obligation to pay off the decedent's debts with the inheritance first, but you said that if there is no inheritance, you would ask the legal heir or guarantor to pay off jointly and severally, but the law is also human nature. Considering the family situation of the heir, the bank is liable ... or partly jointly and severally liable. Guarantee originally refers to a guarantee method in which a third party guarantees the creditor, and when the debtor fails to perform or cannot perform, the third party is responsible for performing all or part of the debt. The guarantee provided by the guarantor is the guarantee of the credit guarantor.

What about the lender's death guarantor?

1 handprint "is a subjective statement, which is difficult to prove, so it is difficult to be excused. Unless there is strong evidence that the contract was signed under the condition of "no capacity for civil conduct" or "cheated".

2. Who does the bank ask for money depends on the type of guarantee responsibility of the guarantor. Is it general guarantee or joint guarantee? No matter what kind of guarantee responsibility, banks are free to choose to ask the lender's wife or guarantor for money.

3. If it is a general guarantee, the bank requires the guarantor to repay, and the guarantor enjoys the right of defense. In other words, the guarantor can refuse to repay. Please enforce the lender's collateral first, and then recover the guarantor's responsibility. (However, if the lender's collateral is real estate, and the real estate is its only house, it is not easy to dispose of its real estate unless the bank provides guarantee for its family, resulting in the displacement of the other party. )

4. If it is a joint and several liability guarantee, the debtor refuses to repay it, and the bank requires the guarantor to repay it. The guarantor must repay it unconditionally, but he has the right to recover from the debtor after repayment.

The daughter of the guarantor guarantees the lender's brother and the guarantor guarantees the lender are two different things.

6. As far as the guarantor's daughter guarantees the lender's brother, unless the guarantor agrees and the guarantor repays in advance, the woman may not unilaterally terminate the contract. Ensure that the responsibility can be relieved.

I hope this information can help you.

What about the bank loan when the lender dies?

It shall be borne by the guarantor and heir within the scope of the inherited property. If the loan is used for family use, it shall be borne by the joint property of husband and wife. Of course, the guarantee depends on whether it is general guarantee or joint guarantee.

What if the bank lender dies?

If the lender dies, it needs to be repaid by the guarantor or family of the borrower. After paying off the loan, he will cancel the account locally.

What if the lender dies suddenly?

Two years ago, my uncle borrowed 2 million from the credit union through connections. Take my uncle's house in the city as collateral. During the period, due to poor business, 18 months did not pay interest. My uncle also received a book from the bank before the Chinese New Year. Ask for an auction of the house and try to repay the loan. Soon my uncle died unexpectedly. Afterwards, my cousin discussed with the relevant person of the bank, and the other party asked to pay off all the interest within one month before the lending. But within a month, my cousin didn't raise enough money to return it to the bank. Now the bank will auction the house. My uncle died unexpectedly. Who should pay back the previous loan? My uncle's mother is still alive and has three sons. If you can't repay the loan and interest, do you have to auction Uncle Zhen's house? This is uncle's only house. Everything about the loan was handled by my uncle himself. Even my aunt doesn't know who the guarantor is. I only remember that the first column of the contract is my uncle's signature. The second column was signed by my aunt.

What should I do if the lender dies and the loan is not repaid?

There are three situations in which the borrower dies, as follows: 1. Natural person guaranteed loan. If the borrower's relatives or other third parties sign a joint repayment responsibility contract with the lending institution when applying for a loan, the lending institution will require the guarantor to fulfill the guarantee obligation, assume joint repayment responsibility and repay the remaining debts in the case of long-term default by the borrower. 2. In the absence of any third-party guarantee, if the borrower chooses the mortgage loan method, then the overdue time will reach about half a year, and the lending institution will generally file a lawsuit for house auction, and the proceeds from the auction will be used to pay off debts first. Of course, if the family members of the missing person repay the loan on their behalf, then after the loan is fully paid off, their family members can go through the formalities of mortgage cancellation registration and then keep the house. 3. If the borrower chooses not to provide collateral or third-party joint liability, the loan need not be repaid.

Third, what is the process of handling loans?

Loan processing flow: 1, loan application. When a borrower applies for a loan at a local bank, the required information is as follows: (1) Borrower's ID card; (2) household registration book; (3) marriage certificate; (4) proof of income; (5) professional certificate; (6) academic certificate; (7) Bank flow (8) Asset certificate (house, vehicle), etc. 2. Loan survey. Banks investigate the legitimacy, safety and profitability of borrowers; 3. Loan approval. Banks examine and approve loans in accordance with the loan management system of separation of examination and loan and grading examination and approval; 4. Sign the contract. The bank signs a loan contract with the borrower; 5. Loan issuance. Banks issue loans on schedule according to the loan contract; 6. Post-loan inspection. The bank conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation; 7. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend it. Legal basis: Article 23 of the Law of the People's Republic of China on the People's Bank of China, the People's Bank of China can implement monetary policy by using the following monetary policy tools: (1) requiring banking financial institutions to deposit reserves in a prescribed proportion; (2) Determining the benchmark interest rate of the central bank; (3) handling rediscount for banking financial institutions that have opened accounts with the People's Bank of China; (4) Providing loans to commercial banks; (5) buying and selling treasury bonds, other government bonds, financial bonds and foreign exchange in the open market; (6) Other monetary policy instruments determined by the State Council. The People's Bank of China may prescribe specific conditions and procedures when applying the monetary policy tools listed in the preceding paragraph for the implementation of monetary policy.