Let me tell you a real case: a female worker works in a car wash factory. The boss took the female worker's ID card and applied for a bank credit card in the name of personal commercial insurance. Now, because the other party overdraws 200,000 yuan, the bank asks the female worker for overdraft and interest. Although the female worker can get justice for herself through legal means, the twists and turns during the period are enough to make people tired.
If you want to relax, you'd better not give yourself unnecessary trouble! )
As far as the question you asked is concerned, it is far worse than the situation of this female worker. If you borrow money in your name, you know, it is actually equivalent to your own loan. If the other party's business fails, the money should be repaid by itself from a legal point of view.
Don't be such a good person if you don't want to make the chicken fly and the dog jump at home and pay a sum of money. You have to pay the price to save face!
Never. There will be no pants.
Better not say yes.
First, the colleague is in your name, so all the loan information is provided by you and signed by you as the borrower, so this debt is yours. Lending money to others or doing something else is your own business, and the responsibility for repayment is still yours. If you don't pay, the bank will ask you for money, or you will be sued. If you don't return it, you will be listed as an executor of dishonesty, which can be said to be very uneconomical.
Second, because the debt is yours, you can't pay back the money. Even if you tell the bank that it is used by your colleagues, the bank will still ask you for it. Whether your colleague can pay you back or not, you must pay off the bank debt first, and then you can recover it from your colleague. Even if your colleague has been paying back the loan, in case it is overdue in any month, it will be your credit report.
Third, in this case, the proposal must be rejected. If married, it can be said that the other half does not agree, because this debt is a joint debt of husband and wife, and the other half does not want to bear this debt. If you are not married, you will say that it will affect your house in the future. How can you get married if you can't buy a house?
Colleagues want to borrow 654.38 million yuan from the bank in your name to do business. You can't promise. The risk is too great, because if he can't pay back the money, you have to pay back the loan, which may eventually tire your family and make your family restless.
Let's talk about a case around me first: my colleague, his cousin, borrowed 654.38 million yuan from the bank to do business in his name. I didn't know that my cousin's business didn't start, but the money was used up. When the loan is due, there is no money to repay it. The bank takes money directly from my colleague's account, but because he has no money, he also bears the burden of bad credit. Now he wants to borrow money to buy a house, and the bank refuses to lend money, which is very miserable. Up to now, the lack of family ties and bad credit can be said to be worse.
Colleagues don't borrow money in their own name, but in your name. Either a colleague has bad credit and can't get a loan, or a colleague wants to take the blame for defrauding a loan. Therefore, colleagues who encounter this situation must refuse and stay away. I would rather break off the relationship than promise, otherwise I will drag you into the abyss and make your life miserable.
It is also possible that what I said is rather heavy, but there are many such cases on the Internet, so I still advise you once again that you must not agree to such a thing. A lesson from the past, a lesson from the future!
This kind of thing has been told by countless painful cases, that is, if you don't want to get into trouble for yourself, if you don't want to make your economy suffer losses, then you can only resolutely refuse. You can lend money to your colleagues. If you have no money, don't take your own credit to help your colleagues borrow money. Never be a bad person.
Tell you a real example. I once knew a friend who worked in the public service. He likes playing poker in the arcade. As a result, after he had no money, he asked his colleagues in the unit to help him apply for a credit card. He is overdrawn. In the end, if you can't pay back the money, you will disappear and lose your job as a civil servant. But his colleagues are miserable, and they are urged by the bank all day to be on the bank credit list. Many colleagues encountered serious problems in applying for a mortgage when buying a house, and had to put together their credit card principal and overdue interest, and had to postpone buying a house for several years. As a result, the house price in the back has been rising, which made me spend more money and buy the original house.
Borrowing money from a bank and then lending it to a friend may be one of the stupidest behaviors. Because after the loan expires, if the loan is not repaid, it has nothing to do with friends. The bank will only demand payment from the borrower, and will enter the overdue information of the borrower into the People's Bank for credit investigation. In the future, applications for credit cards, mortgages or various financial services will be rejected.
Besides, from a personal point of view, you can actually convince that friend. He has no money to do business, nor can he borrow money from the bank to do business, which shows that his credit has reached its limit. It is possible that the bank did not lend him a loan, and his credit has been seriously questioned at this time. Why did a friend dare to borrow money from the bank and then lend it to him? On the one hand, I hurt myself, on the other hand, I may hurt that friend. Because you don't lend it to him, he can't do the so-called business, or he may not lose money, making his debt worse.
Have you thought this question clearly? Everyone should not do things beyond his ability, let alone overdraw his future. Credit is an important guarantee for your future life.
Never promise to borrow money in your name, even if he has a good character. Once the business fails, the bank will look for you, not your colleagues.
Tell a true story, a relative of the author's family, whose father was a guarantor in those days, only guaranteed others' loans. As a result, the other party still did not pay. Up to now, the bank still has a record of bad debts, which not only affects relatives, but also affects our family, because our relationship is relatively close. When we were studying the loan in those years, the bank found that it didn't agree to our loan.
This is only because the guarantor is implicated, affecting so many people, affecting relatives and future generations. Your colleagues borrow money directly in your name. If your colleague becomes Lao Lai at that time, he will have no responsibility at all. It is you who need to bear legal responsibility, and it is you who need to pay back the money.
The person who borrows money is just your colleague. It is estimated that you can't help it until then, even if you turn your back.
Of course, your colleagues may also succeed in business and pay back the money in time. However, this is the best case. When we do things, especially risky things, we should consider the worst. If we can't bear it, or the consequences can't bear it, we might as well not do it.
As a lawyer, I suggest you seriously consider lending money to others in your own name.
When you borrow money from the bank, you have to sign all the loan documents. From the bank's point of view, you are the debtor, and you have the responsibility to repay the principal and interest of the bank loan.
Even if your colleague writes you an IOU, if your colleague fails to repay or is unable to repay you, you may still not get your money back.
You and your colleagues may also have bad blood because of this loan, so think twice about being a good person!
Lending money to others in one's own capacity is risky. If the person who uses the money does not repay the bank loan, it will be repaid by the person who signed the loan contract with the bank. It is recommended to choose carefully.
Colleagues want to borrow 654.38 million yuan from the bank in their own name to do business. Can I promise?
Let's start with the conclusion: no promises.
The reason for this is the following：
First, banks are not allowed to make "loans". Bank regulations: loans must be used in accordance with the designated loan purposes, and may not violate laws and regulations and may not be misappropriated. Once violations are found, banks will take credit measures to recover loans in advance. Colleagues want to borrow 654.38+10,000 yuan from the bank to do business in my own name, so they must fabricate information to defraud the bank loan. If so, the nature will be more serious.
Second, my colleague wants to borrow 654.38 million yuan from the bank in my own name to do business, that is to say, is this loan a business loan or an investment? However, whether it is business or investment, there are uncertain risks and it is easy to cause losses. If the principal and interest of the loan are not repaid, the bank will designate you to collect it. If loans overdue lasts for more than 3 months, it will form non-performing loans, which will produce bad records in your personal credit report, which will not only affect my reputation, but also be sued by the bank.
Third, if a colleague makes money in business, but hides the truth from you and deliberately refuses to repay the loan, there is nothing you can do, and the final loss may still be borne by you.
In short, colleagues want to borrow 654.38 million yuan from the bank in your own name to do business, which is actually your debt. Legally speaking, you are the debtor of the bank and your colleagues are your creditors. As a borrower, you must fulfill your repayment obligations. But if you are embarrassed to refuse, just tell the truth to the bank. Don't hide the truth. The bank will veto the loan.