Being a guarantor will definitely affect your loan. For example, according to your property and income analysis, the amount of your own loan is 6.5438+0 million, but if you guarantee 500,000 for others, you can only borrow 500,000 at most. Because in the bank's view, your guarantee for others is also a kind of debt.

If the lender can have fun on time, there is no problem. If you don't pay it back, you may be jointly and severally liable, and you have to help repay it. If this loan is paid off, it won't affect you much. If you don't pay off, your loan will definitely be affected. The bank is worried that if the lender doesn't pay you back, you have to ensure that you have enough ability to help repay, so even if you are given a loan, the amount will be greatly reduced.

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 the full compensation ability requests to be exempted from the guarantee liability because he does not have the compensation ability after concluding the guarantee contract, the people's court 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 according to law and obtaining business licenses; 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.

Does it matter to guarantee loans for others?

Helping others to guarantee loans will affect their own loans, but if the guaranteed loans are repaid normally, as long as the guarantor meets the loan conditions and has a good credit record, he can apply for personal loans. If the debtor of the secured loan fails to repay the loan on time, then the bank will collect your debt and you will bear a certain amount of debt yourself.

Moreover, if the applicant fails to repay the loan in time, it is likely to create a bad credit record for himself and have an impact on his loan application. If he guarantees for others, the loan platform will worry that your credit risk is too high, so the loan amount given to you by the bank will be reduced to some extent.

Extended data:

Specific impact:

First, if you are a guarantor, you may not be able to apply for a loan.

The guarantor's responsibility is to repay the loan on behalf of the lender when the lender is unable to repay the loan. Even if the lender is not unable to repay the loan, when applying for personal loans, RV loans, car loans, corporate loans and provident fund loans, it is also possible that the loan application will not come down because of the high credit risk of providing guarantees for others.

Second, the amount may be affected when applying for a loan as a guarantee for others.

Generally, when you apply for a loan, the bank should judge how much loan it can give you through your personal qualifications. In other words, the credit risk caused by your personal qualifications exists, but if you only bear your own credit risk, there may not be much problem.

However, if you also bear part of the credit risk for others at this time, then the loan platform will be very worried that your credit risk is too high. Then the loan amount you can get at this time may be much lower than expected.

Third, guaranteeing personal credit information for others may be affected.

The guarantor guarantees the loan for others, and the other party repays the loan as promised. However, I am afraid that these people don't care about repayment at all, which will defile their personal credit information and the personal credit information of the guarantor. And if the other party becomes a black household, it is very likely that you will be pulled into the "blacklist" by the loan platform.

If someone goes to the bank for a loan and I am the guarantor, will it be my debt?

The loan guarantor refers to the behavior that the guarantor and the creditor agree that when the debtor fails to perform the debt, the guarantor will perform the debt or assume the responsibility according to the agreement. This kind of guarantee is the personal credit of the guarantor at the meeting. This kind of guarantee should not be counted as the guarantor's debt, but will only be affected when the lender fails to fulfill its repayment obligations.

I can guarantee loans for others, but can I still get loans myself?

Yes, you can.

Users can apply for loans from financial institutions as long as they meet the loan application conditions. It doesn't matter whether you have guaranteed loans for others. As for whether the loan can be approved, it depends on the user's credit qualification and repayment ability. If there is something wrong with the credit information, the loan application will be rejected. If another person is from loans overdue, the Lender cannot get in touch with the Lender, and the guarantor is responsible for partial repayment.

If you want to be optimistic about where to borrow money, different loan platforms need different application conditions, loan interest, loan amount and term. And after the loan, the interest of each period should be paid in time. When you guarantee a loan for others, you should also remind the other party to pay interest in time, so as not to affect your credit information after the deadline, and you should know that the penalty interest will be higher after the deadline.

According to China's guarantee law, creditors have the right to require debtors to provide debt guarantees. Before granting a loan to the debtor, the guarantee with the guarantor is an important debt guarantee, and after the debt guarantee, the guarantor shall bear the corresponding responsibilities.

According to the provisions of China's guarantee law, after providing a guarantee for a debt, the guarantor shall bear the corresponding legal consequences according to the type of guarantee. Those who are jointly and severally liable shall be liable for the repayment of the guaranteed debts.

Article 18 of the Guarantee Law of People's Republic of China (PRC) stipulates that if the parties agree in the guarantee contract that the guarantor and the debtor shall bear joint liability for the debt, it is a joint liability guarantee. As stipulated in the main contract, the creditor may require the debtor to perform the debt, or may require the guarantor to assume the guarantee responsibility within the scope of the guarantee.

Article 21 stipulates that the scope of guarantee includes the principal creditor's right and its interest, liquidated damages, damages and expenses for realizing the creditor's right. Where there are other provisions in the suretyship contract, such provisions shall prevail. Where the parties have not agreed on the scope of guarantee or the agreement is unclear, the guarantor shall be liable for all debts.