People who borrow their own money can also guarantee others.

. According to the relevant laws and regulations of our country, legal persons, other organizations or citizens who can pay off debts on their behalf can serve as guarantors. But whether it can be guaranteed depends on the bank of the loan, and it can only be determined after reviewing the credit information of the guarantor. The bank examines the guarantor's guarantee ability rather than the amount of guarantee provided by the parties, so as long as the parties have strong financial strength and sufficient guarantee ability, they can still provide guarantee. If you want to be a guarantor, you must meet certain conditions. Generally, legal persons, other organizations or citizens who have the ability to pay off debts on their behalf can serve as guarantors. Whether you can become a guarantor depends on the bank's audit results. After becoming a guarantor, the guarantor needs to bear the following responsibilities: if the same creditor's right has both guarantee and property guarantee, the guarantor shall bear the guarantee responsibility for the creditor's right other than property guarantee; If the parties have not agreed on the scope of guarantee or the agreement is unclear, the guarantor shall be liable for all debts; During the guarantee period, if the creditor transfers the principal creditor's rights to a third party according to law, the guarantor shall continue to bear the guarantee responsibility within the original guarantee scope.

Second, do I have a loan to guarantee others?

Yes, the specific business needs specific analysis. Whether it can be guaranteed depends on your information. It is risky to give people a guarantee, so be careful.

3. Is there a loan that can guarantee others?

People who have already made loans can also provide guarantees for others. Article 7 of the Guarantee Law stipulates that legal persons, other organizations or citizens who have the ability to pay off debts on their behalf may act as guarantors.

In particular, it should be noted that the guarantee is decided by the lending bank and can only be determined after reviewing the solvency and credit information of the guarantor.

In addition, people who have already made loans can also provide guarantees for others. Article 7 of the Guarantee Law stipulates that legal persons, other organizations or citizens who have the ability to pay off debts on their behalf may act as guarantors.

Whether it can be guaranteed or not is decided by the lending bank, which mainly examines the solvency and credit information of the guarantor.

Buying a house by loan is generally guaranteed by real estate mortgage, and then it is a double guarantee measure to ask the guarantor to provide guarantee.

Article 28 of the Guarantee Law: If the same creditor's right is guaranteed by two things, the guarantor shall be liable for the creditor's right other than the guarantee of things. If the creditor waives the property guarantee, the guarantor shall be exempted from the guarantee liability within the scope of the creditor's waiver of rights.

Can people with their own mortgages guarantee loans to others?

According to the regulations of the local housing provident fund management center.

At present, there is no unified regulation in the country. Some places stipulate that you can't be a guarantor, while others stipulate that you can be a guarantor. For example, a few years ago, Rizhao stipulated that you can't be a guarantor until the loan is paid off. After 20 14, employees with loans can also guarantee for others once.

A guarantor is a guarantor. According to the provisions of the guarantee law, the third party and the creditor agreed that when the debtor fails to perform the debt, the guarantor will perform the debt or assume the responsibility as agreed.

To guarantee a loan for others, under normal circumstances, the bank will examine the guarantor's guarantee ability (that is, repayment ability). If the guarantor earns enough money to guarantee others after repaying his provident fund loan, he shall repay the loan principal and interest for the lender when the lender is unable to repay the loan. In this way, the bank will agree if there is no guarantor who has paid off the loan.

Suggestion: Ask the local housing provident fund management center.

4. Is there a loan that can be used as a guarantor for others?

I don't know if the loan you use is provident fund or ordinary housing loan! If it is a provident fund, you can't use your own provident fund to guarantee others. But other forms of loans can still be used as guarantors for others. Because the guarantor mainly has a certain fixed income, a stable job and a good bank credit record. Whether the guarantor himself has borrowed money or not does not affect the establishment of the guarantee.