Require the bank to approve the credit line,
You can still borrow money if you have enough repayment ability.
If satisfied, please accept the answer!
Second, my husband can get a loan to buy a car, can my wife be the guarantor?
China husband and wife can be guarantors for each other, and the legal provisions are as follows:
Article 47 of the Marriage Law of the People's Republic of China stipulates that husband and wife should share the daily expenses of the family and can extract wages or income from each other. If the borrower is both husband and wife who apply for a loan, it is acceptable for one of them to be the guarantor of the other.
However, it should be noted that in China, in the case of joint property of husband and wife, the other party may need the consent and signature of joint property to guarantee his spouse, otherwise it may lead to some problems.
In addition, banks or lending institutions have their own loan policies and requirements. The specific situation also needs to know the policy of the lending institution you apply for, the requirements for the guarantor, and the responsibilities and obligations for the guarantor. In a word, the problem of husband and wife as guarantors needs to be analyzed according to the actual situation.
Third, why is the husband's loan wife the guarantor?
Not a guarantor, but a co-payer. When you get married, you are a person, a family, inside and outside the financial department. Therefore, as long as it is a loan, it must be signed by both husband and wife. It can also be understood that there are many repayment abilities, and the banking industry is afraid that one person can't afford it.
When I am not married, I must have a guarantor. I'm afraid I can't pay it back. Now that I'm married, both husband and wife will do.
4. Why is the husband's loan wife the guarantor?
This is not a guarantee. When you get married, you are alone. If the husband and wife sign contracts inside and outside the financial department, it can also be understood that there are more worries that one person can't afford.
When I am not married, I must have a guarantor. I'm afraid I can't pay it back. Now that I'm married, both husband and wife will do.