Legal analysis: the guarantor's guarantee period shall be agreed upon by the parties through consultation. Where the guarantor of a general guarantee and the creditor have not agreed on the guarantee period, the guarantee period shall be six months from the expiration of the performance period of the principal debt. If the agreement is too long, it will be regarded as unclear, and the guarantee period will be two years.
Legal basis: Article 692 of the Civil Code of People's Republic of China (PRC) * * * The guarantee period is the period that the guarantor decides to undertake the guarantee responsibility, and it is not suspended, interrupted or extended. The creditor and the guarantor may agree on a guarantee period, but if the agreed guarantee period expires before or at the same time as the performance period of the principal debt, it is deemed that there is no agreement; If there is no agreement or the agreement is unclear, the guarantee period shall be six months from the date of expiration of the main debt performance period. Where the creditor and the debtor have not agreed or clearly agreed on the time limit for the performance of the principal debt, the guarantee period shall be counted from the date when the grace period for the creditor to request the debtor to perform the debt expires.
Second, how will the credit report be displayed after the guarantee period?
Your credit information will be displayed to guarantee loans overdue.
It will be very annoying when applying for a loan in the future. Because your credit report contains external guarantee information, the lender's overdue repayment record will also be displayed in the main lender's credit report. The guarantor's credit report will show the loan time, loan maturity date and overdue repayment time of the main lender. How much impact it will have depends on your future credit business organization and how you look at this problem.
3. What is the term of the bank loan guarantor?
Answer your teacher, we are helping you analyze. Please wait a moment to ask an individual a question about the bank loan as a guarantor and the provisions of the Civil Law of People's Republic of China (PRC). The guarantee period of the guarantor shall be agreed upon by the parties through consultation. If there is no agreement or the agreement is unclear, the guarantee period is six months. Article 692 of the Civil Code stipulates that the guarantee period is the period during which the guarantor undertakes the guarantee responsibility, and there is no suspension, interruption or proof period, but the agreed guarantee period is earlier than the performance period of the principal debt or there is an agreement with the principal; If there is no agreement or the agreement is unclear, the guarantee period is months. If the agreement between the creditor and the debt is unclear, the guarantor shall count from the date when the grace period for performing the debt expires. In 2008, I secured a loan of 20 thousand for others, and now the bank urges me to pay back the money. What should I do? The answer is, guarantor, you have this responsibility, and it will take half a year to cancel the guarantor's question. In the meantime, he has paid it back and the guarantor has changed. Am I still in charge? It is your responsibility to answer questions before the money is paid off. After the money was paid off, he found another guarantor. Am I not responsible? The money you promised will be returned after six months, and there is no guarantee responsibility.
4. What is the guarantee period of the bank loan guarantor?
The guarantee period refers to the time limit for the guarantor to undertake the guarantee responsibility as agreed by the parties or stipulated by law. If the guarantor and the creditor agree on the guarantee period, it shall be implemented in accordance with the agreement. The guarantee period of a bank loan guarantor is generally determined according to the contract. If there is no agreement in the loan contract, the guarantee period shall be six months from the due date of the principal debt.