My parents are both 50 years old, my father is working outside, my mother is at home, and my brother is in college. Anyway, my mother sent me a video chat three or four days ago. At first, it was just chatting. Later, she said that my father had been working outside and was too old. She said she was going home to do something.
My parents were cheated by friends before, and they lost all their money after working for half their lives, and the land was about to be mortgaged. At that time, the sheep and pigs at home were sold at a loss, leaving an old house.
My mother said she wanted to use money to do something. Before they paid off their foreign debts, she said she wanted a loan and asked my husband to be a guarantor. She said it was just a formality, and she didn't ask us for a loan.
Although I don't know about loans, why can't I find a guarantor when something goes wrong? I definitely want to use my room as a guarantee, so I don't quite agree. Later, I learned that the loan was 200 thousand, and I couldn't agree.
Because my son is almost one year old now, and in a few years, my son will go to school. I have to sell my present house to buy a school district. What if my son doesn't go to school? How can it be so easy at this age?
My mother has been saying that she doesn't need anything since then, so she signed it. I said impossible. Don't be cheated. I can lend you any money. I can't promise. My mother said it was okay to borrow money. How much can I borrow? I said 10,000 to 20,000.
My mother scolded me loudly, saying it was not enough. I have no money to borrow money from you. I see right through you. Don't you think I am poor? If I don't beg you, I can also borrow money like others, that is, if I have a daughter, I will beg others. Your face is not pretty. From now on, you are not my daughter. Don't come to my house, and I won't go to yours. You can recognize your mother's money.
She hung up the video, and when I returned it to her, it was hacked, and so was my husband. Here's the thing. I didn't contact her after that, and she didn't contact me. I wonder if it's my problem. Should I vouch for it? "
The above is the netizen's self-report. My suggestion: it depends on how much it costs to help relatives borrow money. Once he doesn't pay it back, do you have the ability to pay it back? What is the money going to be used for? Is it serious? This is not commercial material. If you are confused, you can't take care of it.
If you can, you must help, because the family has always been there. If the loan is used for gambling, stock trading or other venture capital, it won't work, or it is beyond your ability.
Judging from what you said, 200,000 yuan is not a small sum for you, so you must be careful. If it is a guarantee, the best result is that your parents will be happy to repay the money on time, and the worst result is that you can't repay the loan on time, so you will be in trouble as a guarantor. Although it is your parents, it depends on what it is, and the risks to be avoided should be avoided.
Generally speaking, you don't have to think about the loan. How can you vouch for anyone with the foundation of your family? Your own family of three ranks first, and your mother's family ranks behind. I really love your family, and I won't even ask you to take your little house as collateral.