1, according to Article 32 of the Contract Law, if the parties conclude a contract in the form of a contract, the contract is established when both parties sign or seal it. The signature must be signed by myself or personally. If it is signed on behalf of others, a notarized power of attorney is required. If you sign or print your hand, you are the debtor. Or there is evidence that the loan.
2. According to the law, guarantee can be divided into general guarantee and joint liability. If it is a general guarantee, the creditor can only recover from the debtor through litigation first. Only when the debtor's property is still insufficient after execution, the guarantor will continue to bear the repayment responsibility. If it is joint and several liability, when the debtor is unable to repay, the creditor may require the guarantor to perform the debt. Once the borrower runs away and the debt cannot be paid off, as a guarantor, he should pay attention to examining whether he can be exempted from liability. Generally speaking, if the guarantee contract is invalid, the guarantor will be partially exempted.
1. Transfer the loan car to others. What if others can't pay back the loan?
(1) Bring a copy of the second-generation ID card, a copy of the household registration book, and the original work certificate with official seal issued by the lender's current work unit.
(two) if the self-employed and the person in charge of the company produce a copy of the business license and proof of equity.
You also need the original personal income certificate, the original personal credit report and the proof of marital status.
After preparing the above information, go to the credit department of the bank outlet that handles the mortgage loan, and an account manager who is responsible for this business will receive the lender.
The review period is usually 7 to 15 working days. After passing, the outlet will inform the lender to go to the outlet to apply for a debit card for loan and repayment.
Second, what is the bank loan process?
The process of commercial loan
Face-to-face signing → customer spare parts → credit inquiry → house evaluation → house inquiry → submission for review → approval → issuance of mortgage materials → transaction transfer → issuance of mortgage certificates → submission of loan materials to banks → bank loans.
(2) What is the process of bank loan?
The borrower fills in the loan application form and provides necessary information;
Investigate and review the borrower's credit status and information, and give the applicant a formal reply within three weeks;
The borrower who has passed the examination and signed a loan contract. And according to the loan guarantee method, at the same time sign a mortgage contract or pledge contract to guarantee the contract.