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If the bank loan is repaid through the bridge fund, is it a new and old bank loan?
If the bank loan is repaid through the bridge fund, then borrowing from the bank does not belong to borrowing the new and returning the old.

First, matters needing attention in borrowing the new and returning the old:

Generally, after the loan expires, and some before the loan expires; The loan principal is reduced, and the guarantee conditions are not reduced; During the duration of the new loan, the interest must be paid monthly, and the operation methods of repaying the principal can be as follows: a certain amount of funds per month, or repayment of the principal for many times during the duration, or repayment of the principal once due; The application must specify the purpose of the loan, and the contract must clearly stipulate the loan to be repaid, and indicate the contract number to be repaid; Applicants need to ensure that they know that the purpose of borrowing new and returning old is to borrow new and return old; After borrowing new loans to repay old loans, loans should be adjusted to at least a level worthy of attention. The amount of new loans to repay old loans shall not exceed the original loan amount, and credit shall not be increased to repay the interest owed or increase liquidity; Lending new and old mortgages and guarantees cannot be suspended; Whether changing the borrower is to borrow the new and return the old is controversial in the legal circle.

Second, borrow the new and return the old and assume the guarantee responsibility:

If the parties agree to repay the old loan with the new loan, and the creditor requests the guarantor of the old loan to assume the guarantee responsibility, the people's court will not support it; Where the creditor requests the guarantor of the new loan to assume the guarantee responsibility, it shall be handled according to the following circumstances: (1) If the guarantor of the new loan is the same as the guarantor of the old loan, the people's court shall support it; (2) If the guarantor of the new loan is different from the guarantor of the old loan, or the old loan is unsecured and the new loan is secured, the people's court will not support it, except that the creditor has evidence to prove that the guarantor of the new loan knew or should have known the fact that the old loan was repaid with the new loan when providing the guarantee.

To sum up, the main parties to the contract agreed to repay the old loan with the new loan, and the guarantor of the old loan agreed not to cancel the registration and continue to provide guarantee for the new loan. Before signing a new loan contract, the guarantor uses the secured property to set property rights for other creditors. If the patient's creditor claims that the security interest is superior to the new loan creditor, the people's court will not support it.