I. Term of validity of the loan guarantor: Generally speaking, this is determined by the contract concluded with the loan or borrower. If the loan contract does not clearly stipulate the guarantee period, the effective period of the loan guarantor shall be 6 months after the expiration of the main debt performance period; If the loan contract and the preceding paragraph clearly stipulate the guarantee period, it can be divided into two situations: if the bank does not bring a lawsuit against the borrower during the guarantee period, the guarantor is exempted from liability; If the bank brings a lawsuit against the borrower, the limitation period of guarantee will be interrupted. The guarantee period of the loan guarantor's joint liability is consistent with the above, mainly depending on whether there are clear provisions in the contract. From these responsibilities of the guarantor, it is not difficult to see that the risk of the guarantor in bank loans is relatively large, and whether to provide guarantees for others needs careful consideration. First of all, we should know the borrower's credit status in detail, because the credit status often determines the risk of guarantee. If the credit status is not good, don't provide guarantee. Secondly, it is necessary to examine whether the borrower has the ability to repay interest, which determines whether the borrower can repay on time and is an important factor in determining the risk of the guarantor. Second, the meaning of loan guarantor: the bank loan guarantor provides relevant guarantees for the borrower so that the borrower can obtain loans from the bank. However, the loan guarantor also has great risks, that is, if the borrower fails to repay the loan at maturity, the loan guarantor shall bear joint and several liabilities for repaying the loan as agreed. At present, in order to prevent the increase of non-performing loans, the proportion of secured loans in bank loan business is increasing. Three. Precautions for bank loan guarantor: To be a loan guarantor for others, you must pay attention to the following two aspects. On the one hand, it is necessary to know the borrower's credit status in detail, because this is often directly related to the risks borne by the guarantor. After examining the credit status of the borrower in many ways, we can decide whether to provide a single guarantee for it; On the other hand, it is necessary to examine whether the borrower has the ability to repay the interest, which is also an important basis for the borrower to repay the loan as scheduled, and must not be sloppy. The above is a detailed answer to the question "How long is the guarantee period of the loan guarantor". I hope I can help you. As a guarantor, you need to bear the guarantee risk. If the lender fails to repay the loan in time, the guarantor shall be responsible. The division of responsibilities needs to be clearly mentioned in the loan contract. If it is mentioned that the lender fails to repay the loan within 6 months, the guarantor's guarantee responsibility will disappear.
What obligations should banks do after the sale of loans?
The obligations of the bank after the sale of the loan are:
1. The lender shall provide loans to the borrower on the date and amount agreed in the loan contract.
2. If losses are caused to the borrower, it shall compensate for the losses.
3. The loan interest shall not be deducted from the principal in advance.
What are the obligations of housing loan banks?
The housing loan bank has the obligation to issue housing loans according to the loan contract (1);
(2) When the borrower pays off all the principal and interest of the loan, he will return the original property ownership certificate and the guarantee sheet for mortgaged property to the borrower;
(3) issue a certificate that the principal and interest of the loan have been fully settled, and assist the borrower to handle the mortgage registration and cancellation procedures.
Review obligation of bank loans
Legal analysis: the examination of the authenticity of the subject. If you are an enterprise borrower, you need to review the business license, tax registration certificate, legal person code certificate, loan card (certificate) and other legal documents of the enterprise legal person, and check whether the above legal documents have gone through the annual inspection procedures within the validity period, and whether the name change has been revoked, cancelled or declared invalid. We should pay attention to the review of "one set of people and multiple brands" and unclear property rights and chaotic management in some enterprises. If it is a personal loan, you need to check whether the original personal ID card and the loan application form are signed or sealed by yourself. Review the legality of the theme. It is necessary to examine whether the seals of the legal person and legal representative are legally used, whether the agent uses the official seal of the legal person beyond his authority, whether the seal of the legal representative and the power of attorney entrusted by the legal representative are true, whether the contents, duration and matters of authorization are clear, check the ID numbers of the legal representative and the agent, check whether the seals of the legal person and legal representative are consistent with the reserved seals, and check whether the relevant contracts and documents are signed by the legal representative and agent, and whether the partnership organization has the signatures and seals of all partners.
Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.