To be a guarantor of other people's bank loans, you generally need the original ID card, photocopy, household registration book, monthly income certificate and running bill of the guarantor. Qualification of bank loan guarantor: (1) a natural person with full civil capacity, aged between 18 (inclusive) and 65 years old (inclusive); (2) Having legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status; (3) Having a good credit record and willingness to repay; (four) a stable source of income and the ability to repay the principal and interest of the loan in full and on time; Most importantly, when the lender cannot repay the loan, the guarantor will repay the loan principal and interest for the lender. Responsibility of loan guarantor: As long as they are Chinese citizens, they are qualified to guarantee. Do not have the ability to guarantee, by the credit department of financial institutions to assess. After the assessment is passed, the guarantor shall be jointly and severally liable for the debt. That is, once the debtor fails to repay the debt, the creditor has the right to ask the guarantor to bear the debt. Precautions for loan guarantor: It is suggested that it should be stated in the guarantee contract that you can only perform the guarantee responsibility if the creditor cannot recover the loan through litigation. This will protect the rights of your guarantor to the maximum extent. For example, as long as the debtor has a suite that has not been auctioned, the guarantor can refuse to perform the guarantee responsibility. Loan guarantee refers to the legal act that the borrower or the third party provides a legal measure to guarantee the creditor to realize the creditor's right according to the contract. When the debt is not paid off at maturity, the creditor shall exercise the security right to pay off the creditor's rights according to law. The sufficiency and reliability of loan guarantee directly affect the judgment of loan quality. Especially when the borrower's first repayment source can't meet the repayment demand, the loan guarantee often changes from the second repayment source to the direct and realistic repayment source.
What information do you need for housing mortgage loan guarantee?
The basic information needed for real estate mortgage loan is the identity card, household registration book and marriage certificate of both husband and wife. The house book, the borrower's bank statement, check whether your credit information is in good condition. If there is an enterprise, in addition to the above materials, it is also necessary to prepare the company business license, organization code certificate, tax registration certificate and business premises lease contract.
Take these materials to the bank to apply for a loan, and then the bank will tell you exactly what materials you need to supplement! Although it's a little troublesome, it's important as long as you can get the money smoothly. Information required for mortgage loan guarantee 1, real estate license (real estate license and land certificate in mortgage bank loan must be mortgaged to the bank) 2. Identity cards of obligee and spouse.
3, the holder and spouse's household registration book
Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau) 5. Income certificate (this certificate has a great influence on the success and maximum amount of mortgage bank loans. 6. If the property owner has minor children, please provide birth certificate. 7. If the property has a bank loan, please provide the original loan contract and the latest bank statement. 8. In order to improve the guarantee rate of mortgage loan, please provide other family property certificates (such as separate real estate license, stocks, funds, cash passbook, vehicle driving license, etc.). ).
The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!
What are the procedures for loan parental guarantee?
Materials for commercial loans: academic credentials, proof of income, copy of business license/work permit with official seal, ID card, household registration book and single certificate. Proof of income must be provided. Parents' bank flow and signing guarantee agreement in the past year. Parents need to provide proof of income, passbook or pension.
Legal basis:
People's Republic of China (PRC) Civil Code
Article 409 The mortgagee may give up the mortgage or the ranking of the mortgage. The mortgagee and the mortgagor may agree to change the mortgage order and the amount of secured creditor's rights. However, without the written consent of other mortgagees, the change of mortgage right shall not adversely affect other mortgagees. If the debtor mortgages his own property, and the mortgagee abandons the mortgage, the mortgage order or changes the mortgage, other guarantors shall be exempted from the guarantee liability within the scope of the mortgagee's loss of priority rights, except that other guarantors promise to still provide the guarantee.
Article 410 Where the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the mortgagee may agree with the mortgagor to discount the mortgaged property or give priority to compensation with the price of auction or sale of the mortgaged property. If the agreement harms the interests of other creditors, other creditors may request the person to cancel the agreement. If the mortgagee and the mortgagor cannot reach an agreement on the way to realize the mortgage, the mortgagee may request the mortgagee to auction or sell the mortgaged property. Where the mortgaged property is discounted or sold, it shall refer to the market price.
Article 411 Where a mortgage is established in accordance with the provisions of Article 396 of this Law, the mortgaged property shall be determined under any of the following circumstances:
(a) the debt has expired and the creditor's rights have not been realized;
(2) The mortgagor is declared bankrupt or dissolved;
(3) The circumstances for realizing the mortgage agreed by the parties;
(4) Other circumstances that seriously affect the realization of creditor's rights.
What information does the loan guarantor need to provide? What procedures does a personal loan guarantor need?
1. Original and photocopy of the guarantor's second-generation ID card.
2. Wages provided by banks or other vouchers that can prove their income.
3. The letter of guarantee commitment filled out by the guarantor indicates that he is willing to provide guarantee for the borrower and fulfill the corresponding obligations.
4 collateral, should provide proof of ownership.
What are the requirements of the bank loan guarantor?
1. What are the requirements for a bank loan guarantor?
A natural person with full civil capacity between 1, 18 and 65 (inclusive);
2. Have legal and valid identity documents (resident identity card, household registration book or other valid identity documents) and proof of marital status;
3. Good credit record and willingness to repay;
4, a stable source of income and the ability to repay the loan principal and interest in full and on time.
Second, who can't be a loan guarantor:
1. Husband and wife cannot vouch for others;
2. Household registration personnel outside the loan place cannot guarantee for others;
3, unable to plan their own lives, no financial resources, no ability to repay the principal and interest for others, and no guarantee for others;
4. Retirees may not become guarantors;
5, other reasons failed to pass the audit.
In addition, it should be noted that if the branch of an enterprise as a legal person provides a guarantee without the written authorization of the legal person, the guarantee contract is invalid. If the functional department of an enterprise as a legal person provides a guarantee, the guarantee contract is invalid; Institutions and social organizations aiming at public welfare shall not act as guarantors. If an institution or social organization engaged in business activities acts as a guarantor, the guarantee contract signed by it shall be deemed as valid if there are no other circumstances that lead to the invalidity of the guarantee contract; With the approval of the State Council, state organs can act as guarantors for accepting loans from foreign governments or international economic organizations. In other cases, he shall not act as a guarantor.
Can be used as a guarantor, including: sole proprietorship enterprises and partnership enterprises registered to obtain business licenses according to law; A joint venture registered in accordance with the law and obtained a business license; Chinese-foreign contractual joint ventures registered according to law and obtaining business licenses; Social organizations approved and registered by the civil affairs department; Township, street and village-run enterprises that have been approved to register and obtain business licenses.
As a bank loan guarantor, the most basic condition is that adults with civil capacity need to have the ability and willingness to repay. At the same time, when choosing a guarantor, it should be noted that enterprises as legal persons, institutions, social organizations and other units can not be used as guarantors in general. The bank requires the guarantor to reduce the loan risk, so you must choose a guarantor with guarantee qualification to guarantee when applying for a loan. What are your questions when choosing a guarantor or a guarantor?