Is it easy to find a family guarantee after spending money on credit investigation?
Consumer credit investigation means that there are many hard records of credit information of loan applicants, such as loan approval inquiry, credit card approval inquiry, guarantee qualification examination and so on. There are too many records in these inquiries, which shows that the loan applicant has a large demand for funds and the possibility of loans overdue is relatively high, which leads to the reluctance of lending institutions to lend money.
In this case, it is easier to get a family member to guarantee your loan, but you need to pay attention to the following points:
1. The guarantor can only be a person who has nothing to do with the purpose of the loan and the case. So the guarantor can't be his spouse, because the debts that husband and wife need to generate belong to the debts, and a person can't guarantee the debts he owns.
2. The guarantor must have a good credit record, no obvious record of breach of contract, and cannot be an illegal household or a lazy person.
3. In order to better control the risk, the guarantor must have a fixed residence and a fixed residence in the local area, and cannot be a renter.
4. The guarantor must have the ability to fulfill the guarantee obligation. For example, if the borrower is ultimately unable to repay the loan, the guarantor must have the ability to repay the principal and interest.
There are two ways of guarantee, one is general guarantee, the other is joint and several liability guarantee, and the guarantor and creditor need to sign a guarantee contract.
Is it easy to find a family guarantee after spending money on credit investigation? If you find a qualified person to guarantee your loan, the success rate will be higher. After all, lending institutions are more willing to lend because the risk of overdue loans is reduced.