Because the marriage relationship that belongs to your parents exists at the time of the loan, your father's behavior has constituted an agency by estoppel, and the bank has reason to believe that your father's behavior is an expression of their father's consent.
I have no right to ask you to pay back. Don't be misled by the old idea that "the father owes the son". Of course, if you inherit your father's property, you must bear the responsibility of repayment within the scope of inheritance.
If your father handles the loan jointly in your name and his, it depends on your specific age at that time.
If you exceed 18, then you need to bear joint and several liability for the same reason as 1; Under the age of 18, there is no joint liability, because under the age of 18, there is no full capacity for civil conduct.
Extended data:
Debt forgiveness
Creditors' exemption from debts means that creditors give up their creditor's rights, thus eliminating contractual relations and other debt relations.
There are different theories about the nature of exemption. One theory holds that exemption is a contract. The reason is:
1. The debt relationship is a specific legal relationship between the creditor and the debtor, which cannot be established only by the expression of one party's will.
It is a favor for the creditor to forgive the debtor's debt, and this favor cannot be abused.
3. Creditors may have other motives and purposes for debt relief. In order to prevent the creditor from abusing the right of exemption to harm the debtor's interests, the right of exemption should be agreed by the debtor.
Another theory holds that exemption is the behavior of creditors unilaterally giving up their claims. The reason is:
1. Exemption is beneficial to the debtor, so consent is not required.
2, if the exemption must be agreed by the debtor, the debtor does not agree, which is equivalent to limiting the disposition of creditor's rights.
"Contract Law" stipulates: "If the creditor releases part or all of the debtor's debts, the rights and obligations of the contract will be partially or completely terminated." Judging from this provision, the exemption stipulated in China's contract law is a unilateral legal act.
However, the contract law does not rule out that the creditor and the debtor conclude an exemption agreement to exempt the debtor from its obligations.
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