The guarantee period of the guarantee liability is 2 years from the maturity date of the loan. The extension of the loan contract and your signature as a guarantor prove that you recognize the maturity date of the loan contract and postpone it at the same time. In other words, the last time you signed the guarantee contract, you assumed the guarantee responsibility within 2 years from the expiration date of the contract. In addition, whether the collection notice for undertaking the guarantee responsibility is signed depends on whether the credit union can provide evidence of collection and delivery, and if so, it can also be used as a legal reason for the interruption of the limitation of guarantee.

Second, the guarantee period shall not exceed several years.

The longest guarantee period shall not exceed 2 years. The guarantee includes the following forms:

1, guarantee. The guarantor and the creditor agree to perform the obligations of the main contract or bear the liability with the debtor as agreed;

2. Mortgage loan. The debtor or the third party does not transfer the possession of the collateral, and Zheng Ling pretends to use the collateral as the guarantee of creditor's rights;

3. Take an oath. The debtor or a third party transfers his movable property to the creditor for possession, or transfers his property right to the creditor's control as a guarantee for the creditor's right;

4. Lien. In a custody contract, a transportation contract or a processing contract, if the creditor occupies the debtor's movable property as agreed in the contract, and the debtor fails to perform the debt within the time limit agreed in the contract, the creditor has the right to keep the person in custody according to law and give priority to compensation for the auction and sale of the property;

5, the performance of the deposit, the act of paying a certain amount to the other party in advance.

Article 394 of the Civil Code of the Republic of China

In order to guarantee the performance of the debt, if the debtor or a third party does not transfer the property to the creditor, the creditor has the right to be paid in priority for the property under the condition of realizing the mortgage agreed by the parties.

The debtor or the third party mentioned in the preceding paragraph is the mortgagee, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.

3. How long does it take for five joint guarantors to pass the guarantee period?

Generally speaking, five-household joint guarantee is a joint guarantee group composed of five applicants, and no other guarantee is needed. Team members vouch for each other. The longest validity period is 2 years, and the maximum loan amount is 50,000 yuan.

4. How long is the warranty period?

The warranty is valid for three years. In fact, according to the explicit provisions of China's national laws, within three years after the debt expires, the guarantor needs to bear certain guarantee responsibilities. Of course, this mainly refers to the joint and several liability guarantee. If it is a general guarantee, it will cause the interruption of the limitation of action for the principal debt.

1. How long is the warranty period? The guarantee period is the period during which the guarantor assumes the guarantee responsibility, that is, the guarantor assumes the guarantee responsibility within three years after the debt expires. If it is a general guarantee, the creditor's collection from the borrower will not only interrupt the limitation of action for the principal debt, but also interrupt the limitation of action for the secured debt. The warranty period will be extended for three years, just like the statute of limitations. Where the guarantor is jointly and severally liable, it shall not be interrupted by the interruption of the limitation of action for the principal debt, that is, the limitation of action arises and is interrupted during the joint guarantee period, and the creditor must directly recover from the guarantor. Otherwise, when the warranty period expires, the guarantor will be exempted from liability, and there will be no statute of limitations and no two-year limitation protection period. The risk management of secured loans needs to strictly examine some responsibilities that the guarantor needs to bear, and only in this way can risks be avoided. There are two kinds of legal responsibilities undertaken by the guarantor: (1) General guarantee responsibility: when the debtor cannot pay off the debts due, the guarantor shall be liable for it, that is, pay off the debts due. (2) Joint and several liability of suretyship assumes the responsibility that the creditor has the right to demand the debtor or guarantor to repay the debt when it reaches the repayment period. When the guarantee is a general guarantee, the guarantor has the right of defense, that is, the guarantor has the right to refuse the creditor's repayment request before the creditor applies to enforce the debtor's property or fails to enforce the security interest. Co-guarantors have no such right. The repayment period stipulated in the contract is one year from the date of repayment. After one year, you can decide to repay the loan according to your own wishes. 2. What are the risks of secured loans? 1, the "relatively low priority" risk of loan mortgage. Mortgage is a real right for security based on the contractual agreement between the commercial bank and the borrower (or the third party providing mortgage guarantee for the borrower), behind which is the legal priority based on the exercise order directly stipulated by law. Once the legal priority and mortgage priority meet in the loan case, the mortgage priority is relatively low, which may lead to the loss of protection of bank loan claims to a certain extent or even completely, that is, the suspension of loan claims. 2. Risk of non-performing mortgage loan review. Article 36 of the Law on Commercial Banks stipulates that commercial banks have the legal obligation to strictly examine the ownership, value and feasibility of collateral, so as to ensure that the collateral's guarantee function for loans can be effectively and fully exerted. In practice, there are many operational problems and great risks in the bank loan mortgage review business. The outstanding problems and risks mainly include: first, the loan ownership is misplaced; Second, the overvaluation of collateral directly causes loan risk; Thirdly, the feasibility of mortgage exercise has a significant inverse proportional impact on the loan risk. 3. Risks of signing contracts and mortgage registration. In practice, the outstanding risks in signing and mortgage registration mainly include: first, the risk that the loan contract or mortgage contract is invalid; Second, there is no registration or no risk of registration; The third is the risk of repeated registration; The fourth is the risk in loan repayment or loan creditor's rights transfer business; The fifth is the risk of "two certificates" of real estate mortgage. 4. Risks in post-loan mortgage management. Because mortgage is a security interest that the mortgaged object does not transfer possession, after the mortgage is effectively set and the loan is issued, the mortgage is still occupied by the mortgagor. The physical existence form, value form and mortgage maintenance of collateral have great influence on the actual and legal effectiveness of collateral, so the management of collateral faces great risks. The risks faced in the practice of post-loan mortgage management mainly include: the risk that the mortgagor will dispose of the collateral at will because of the weak credit concept and legal concept; Risk of collateral loss; The risk of losing mortgage restrictions; The risk that the mortgage is illegally ruled invalid; Risks of applying the principle of "creditor's rights go with assets" and the rule of "ex-rights period" in enterprise restructuring. In contemporary society, the effective period of guarantee is very important. Some guarantees may face certain limitation problems, but the limitation of action for different types of guarantees is different. For example, the limitation of action for age liability guarantee is three years.