1. Never promise, even if you resign. The bank regards you as the actual borrower. If the boss fails to repay the loan or the capital chain breaks in the future, then the bank will repay the loan. At that time, you need to bear the responsibility of repaying the bank and interest.

2. What your boss said is that it's useless to sign an agreement with you, and it can't prevent you from repaying as an actual borrower in the future;

3, this kind of thing has been a lot, employees often become victims, you can just search online.

Second, the bank mortgage has been approved. What should I pay attention to when signing a contract?

The most important elements are the amount, interest rate, term and repayment method.

(1) Amount, interest rate and term. Needless to say, these three elements only need to see whether the elements filled in the contract are discussed with the bank account manager. However, it is worth noting that you must remember the repayment date. If it is overdue, it will cause a bad credit record for your credit investigation.

(2) repayment method. There are generally two repayment methods for mortgage: average capital and equal principal and interest.

The so-called average capital means that the principal repaid every time is the same, but the less the remaining loan principal is unpaid, the lower the interest needs to be paid, so the total monthly repayment is decreasing. To give a simple example, suppose that the loan is paid off in 1.2 million and 1.2 months, which is equivalent to repaying the principal 1 10,000 every month with interest of 4.8%. Total interest and principal payable in 65,438+0,000,006,5438+0,200,004.8%/65. The total principal and interest to be repaid is10001000004.8%/12 =10040 yuan. Specifically, the principal and interest returned each month are shown in the following figure.

Matching principal and interest means that the total repayment amount is the same every month, but because the remaining principal is large when the principal and interest are repaid in the first month, the interest that needs to be repaid is large, and the later interest is reduced. Therefore, although the total amount of principal and interest repaid every month is the same, the principal repaid every month is actually increasing and the interest is decreasing. Taking the above as an example, the principal and interest returned each month are shown in the following table.

Careful classmates will find that the total amount of equal principal and interest is not the same as the average capital, and the total amount of equal principal and interest to be repaid will be greater than the average capital, especially for mortgage loans for decades, and the difference between the two repayment methods will be great. Taking the above example as an example, the total amount of matching principal and interest return is 123 142.83 yuan, and the average total amount of capital return is 123 120 yuan, which is 22.83 yuan more than the matching principal and interest. So does it mean that this is a trap played by banks? Or is the repayment method of equal principal and interest more cost-effective? In fact, the total amount of average capital repayment is very small. In the final analysis, it is because the principal paid each month at the beginning is large, so the total interest paid in the end is small. To put it more bluntly, if your repayment ability is strong enough at first, you can choose average capital, otherwise you can choose equal principal and interest.

The company lends money in my name. What agreement should I sign?

Daughter ... Daughter ... You got rich overnight? 、

Although I don't quite understand it, I think the loan amount should be written in your name and the company should take full responsibility.

And if you have any losses, the company will compensate you and so on.