Haodai

During his tenure as a bank loan guarantor, the guarantor can also borrow money. Under normal circumstances, the borrower repays the loan by himself, and the guarantor does not have to worry about it. However, the loan amount and monthly payment borrowed by the borrower will generally be displayed in the credit record of the guarantor. When the guarantor needs to apply for any loan by himself, the debt he guarantees will be regarded as his own debt, and usually the lending institution will include it in the debt, which may affect the loan amount of the guarantor. If you lend money to others as a guarantor, the amount of guarantee is also regarded as a liability. It is suggested to go to the China Credit Department to calculate whether you can apply with your ID card and the lender's repayment schedule.

Second, is the guaranteed loan from Shenzhen Bank good?

If you want to apply for a personal unsecured loan in Shenzhen, I suggest you go to Yi Rong for online loan business. The comments on the internet are great. As long as Yi Rong Company submits the loan application online, they will review and handle the loan business for you as soon as possible, and solve your funding problem as soon as possible. -No fees are required before lending-Yi Rong will try its best to let borrowers get the best loan scheme at the lowest cost possible. ~ ~ There are many kinds of loans to choose from, and Yi Rong will help you match them for free. The application process is online application, submission for review and loan issuance. The loan can be issued within three days.

3. Which bank has a good loan?

Now basically all banks have loans, mainly as follows:

1, income, because the income of the borrower is the first repayment source of the loan, so the bank will pay more attention to whether it has it when investigating the borrower.

2. Guarantee method, whether the guarantee method can raise money is also the key to whether the loan can be obtained in the end. At present, more than 80% of personal guarantee methods are mortgages such as real estate and automobiles, and the effect of opening a margin account will be slightly worse than that of mortgage;

The difference between the required amount and the amount covered by the guarantee method is too large, which will also affect the final approval of the loan; However, the landlord only applied for 20 thousand, so it is estimated that he will ask

The above is basically what you need to pay attention to when applying for a loan. The requirements of the four major banks for the guarantee method are slightly smaller.

Fourth, bad credit. Can the guarantor get a loan?

Usually people apply for loans. If there is a qualified guarantor as a guarantee, the chances of loan approval can be improved. But if the borrower's credit information is too poor, it is useless to find a guarantor to guarantee the loan. After all, banks mainly consider the credit information of borrowers. If there are too many credit problems, most banks will refuse to issue loans. Guarantee refers to the legal system that the parties realize their creditor's rights in order to urge the debtor to perform his debts according to the law or the agreement between the two parties. Guarantee is usually concluded by both parties, and guarantee activities should follow the principles of equality, voluntariness, fairness, honesty and credibility. The guarantee methods include guarantee, mortgage, pledge, lien and deposit. When providing guarantee for legal creditor's rights, the parties can only provide the above five kinds of guarantee, but can't create new forms of guarantee. The legal effects of the five forms of guarantee are as follows: 1, and the right of guarantee is creditor's right, without priority; 2. The rights arising from the down payment are also creditor's rights, and there is no priority for compensation; 3. Mortgages, liens and pledges are security interests, and they have the priority to be compensated for the mortgaged property and its realized price. It should be noted that: 1, there is no artificial guarantee. When concluding a guarantee contract, the guarantor blindly signed the guarantee contract due to the lack of due credit investigation. 2. There is no administrative order guarantee (or leadership intervention guarantee). This kind of guarantee violates the principle of voluntariness and is easy to happen because it is not agreed by the parties, but set by leading cadres in the form of administrative orders or intervention. 3. Don't bribe the guarantee. This kind of guarantee is often achieved by bribing or giving gifts to set up a guarantee contract. For example, Li has set up a building materials factory somewhere and is in urgent need of liquidity. Li found a bureau leader: "Our factory is in urgent need of 654.38+10,000 yuan. I have already worked as a loan institution, and I am short of a guarantor. I will give you 65438+ 10,000 after the job is done. " The leader made a guarantee in the name of the bureau. Later, Li's building materials factory closed down due to product quality problems, and Li escaped, so the bureau suffered losses and the leaders were investigated. 4. Don't know nothing about protection. Some people don't examine the subject qualification of the guarantor, and don't clearly stipulate the scope of guarantee, the term of responsibility and the way of responsibility, so they blindly stamp the guarantee contract and say, "Anyway, I will repay the loan myself, and I just go through the formalities with a stamp." Only when something goes wrong can I wake up like a dream. 5. Don't invalidate the guarantee. According to the relevant regulations, legal persons, other organizations or citizens who have the ability to pay off debts on their behalf are qualified as guarantors, while state organs, schools, kindergartens, hospitals and so on cannot be guarantors. If these legal entities and social organizations are used as guarantors, the guarantee contract will be invalid because they do not have the subject qualification, which should be paid more attention to when concluding the guarantee contract.