Natural person guarantee refers to a kind of guarantee granted to creditors by a third person other than the debtor (natural person) for the debtor to perform the debt.
Guarantor qualification requirements
First, legal persons, other organizations or citizens who have the ability to pay off debts on their behalf can act as guarantors. However, if a legal person, other organization or natural person who does not have full compensation ability enters into a guarantee contract as a guarantor and then requests to be exempted from the guarantee responsibility on the grounds that he does not have compensation ability, the people will not support it.
Second, according to the relevant provisions of the General Principles of Civil Law, individual industrial and commercial households and rural contracted households are a special form of citizens. Therefore, citizens as guarantors can also be individual industrial and commercial households and rural contracted households.
Three, can be used as a guarantor, including: registered in accordance with the law to obtain a business license of wholly-owned enterprises, partnerships; A joint venture registered in accordance with the law and obtained a business license; Chinese-foreign contractual joint ventures registered and licensed according to law; Social organizations approved and registered by the civil affairs department; Township, street and village-run enterprises that have been approved to register and obtain business licenses.
Fourth, if a 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.
Fifth, public institutions and social organizations aiming at public welfare shall not be used as guarantors, while those engaged in business activities shall be used as guarantors. If there are no other circumstances that cause the guarantee contract to be invalid, the guarantee contract signed by it shall be deemed valid.
Sixth, in the process of accepting loans from foreign governments or international economic organizations, with the approval of the State Council, state organs may act as guarantors, but they may not act as guarantors under other circumstances.
Second, what does it mean to lend to a natural person?
All kinds of online loans are mostly information.
The rest are basically gadgets. If you go up, you will be cheated.
Don't look for anything,
All kinds of online loans help you with the formalities, and the quotas are all fake and true.
Don't think about borrowing money to live, it's not a way of life.
The biggest question is, what do you want in the future? If you don't even have flowers at ordinary times, what will you pay later, and interest?
If you don't believe me, you can go to them and remember to reply to your experience under this question.
If you have no money, you want to live a rich life. I don't know how to spend it even if I have money.
Pay back the loan with the loan, hehe, if you have no money to pay back the interest, you will borrow more and more.
By the way, this loan is debt-free. Even if someone dies, your parents and family will pay you back.
You can't afford to go to prison, but you have to pay it back when you come out.
By the way, although private lending is not protected by law, you borrowed money from others voluntarily, and they didn't force you. Even if you can't afford it, you have to pay it back when people come to your house. Even if you call the police, the police can't say anything. At most, they will help you negotiate a solution. Well, as long as the loan interest rate is not higher than three times the highest bank interest rate in the same period, the police can't say anything. After all, it is you.
Third, why can the subject of loan crime only be a natural person?
Because the subject of the loan can only be a natural person. Even if it is a loan implemented in the name of an enterprise, it is people who commit crimes in the end.
4. What does a natural person guarantee loan mean?
Legal analysis: natural person guarantee refers to a way for a borrower to obtain a loan by looking for someone recognized by a lending institution to provide a guarantee for himself because of his lack of qualifications. As a detailed understanding of the borrower's repayment ability before making a decision.
Legal basis: Article 387 of the Civil Code of People's Republic of China (PRC). Where a creditor needs a guarantee in order to ensure the realization of his creditor's rights in civil activities such as lending, buying and selling, it may be established in accordance with the provisions of this Law and other laws.