Then the problem is coming, which will be a big problem.

First of all, the bank will definitely ask you and your wife to pay back the money, instead of directly asking your uncle.

This is a modest sum of money, and no one will be relaxed. What you can do is to negotiate with your uncle about how to solve it.

If your uncle is still a benevolent man, it will be easy. He may give you a sum of money, promise you, and give you fixed assets as long as he can pay back the money.

If your uncle has made up his mind not to pay back the money, he must try to deal with it. The most direct way is to go to the bank to clarify, write a letter of commitment and documents to prove that you have nothing to do with this matter. His loan was an illegal personal loan, and then

Go to the court to sue quickly and let the court help solve it. In that case, let's try it first. Since your uncle has made up his mind not to return it, why show respect and solve it? After all, it will affect your reputation and reputation, as well as the degree of credit investigation in the future.

Help solve it through legal positive energy!

I really want to ask this uncle. He can borrow 200 thousand with someone else's marriage certificate, which is unusual.

I don't think it's your marriage certificate. Is your uncle's face big?

Materials required for bank loans:

1. Ask for my ID card and a copy.

2. Household registration or valid residence certificate

3. Proof of loan repayment ability, such as real estate license, bank deposit certificate, insurance policy, tax bill, etc.

It is very suspicious that he can take out the money with someone else's invalid certificate instead of his own valid certificate when lending money. It's still not too small, 200 thousand, very shocking.

So, according to our guess, it may be two situations.

First, he borrowed money from some very informal lending institutions instead of banks. The loan interest rate of such institutions is very high, and the possibility of violent collection is also very high.

(Of course, this possibility is relatively small. If it's not formal, you have to use your ID card. )

Second, someone pretends to be a bank and associates with your uncle (who may not know it) to cheat you, nominally asking you to pay back the money, but actually cheating money. It is recommended to keep the evidence and report the case in time.

(family fortune password: golden sickle)

I saw many "marriage certificate" loans that questioned the subject. Actually, that's it. The name of this loan is "rural poverty alleviation discount loan", which is only available in rural areas and is an interest-free loan. The purpose is to encourage and support returning farmers to start their own businesses.

Its lending model is tripartite guarantee, that is, three natural families guarantee each other, and each family can get a three-year interest-free loan of 50-65438+million from the government. If one party is unable to repay, the other two parties will repay the loan.

As for the question of "not paying back", I don't know how the bank will implement it. It should implement the fixed assets of the guarantor like other loans.

I haven't heard that banks can operate like this. This is a problem in the process of bank audit. I have seen an example in my impression that my ID card was maliciously taken to the bank to apply for a credit card and was finally cashed out. As long as the bank can't prove that it is you in the process of issuing cards, the bank itself is responsible.

Similarly, if only the ID card is provided, it will be regarded as the proof of the loan by the bank, and there is no signature confirmation information, which is likely to be exempted.

Therefore, the key is to know what a loan is and how to apply for it. If it really has nothing to do with me, I don't know. I can negotiate with the bank, but I can't protect my rights and interests through legal means. What I am most afraid of is that in addition to ID cards, I also provide other information, such as real estate mortgage and credit guarantee, which can't be separated at all.

Generally speaking, even relatives need to be cautious about money. Don't get yourself into trouble because of negligence.

The fact is that your husband and wife vouched for your uncle, and the bank asked you to provide a marriage certificate and sign it. Dare you say you didn't sign it? Now something is wrong. You argue that your uncle took your marriage certificate to get a loan. You don't know that you are innocent and an adult. Don't you get it? Let's discuss with the bank and try to pay back the money. Now young people can't be included in the list of untrustworthy people.

There shouldn't be such a defective bank!

Before my husband's friend wanted to use our marriage certificate for a loan, saying that someone in the bank could handle it! But I didn't agree.

The marriage certificate of bank loan is only auxiliary information, and the loan process is quite complicated. The borrower applies for a loan-all kinds of information about the loan must be prepared-the bank will investigate the loan-the bank will approve the mortgage contract and so on. And both husband and wife need to be present to sign the IOU.

So if it doesn't exist, you can get a loan just by taking someone else's marriage certificate.

Did you use your name and signature when you took out the loan? You agreed to do it for him at that time, which was equivalent to guaranteeing him. Equal to the money you borrowed. The bank must be looking for the borrower, which is you. No objection. Since you agree to do it, you must fulfill the contract and keep your promise. The bank won't look for your uncle. Finding your uncle is your business.

Is it that easy to get a bank loan?

Recently, I made a loan to my friend, a personal business loan from a rural commercial bank. The bank's credit specialist will go to the loan unit to see the site, operation, employment and profit, then understand the purpose of the loan and then determine the loan plan. In this special period, it is necessary to ensure the authenticity of the loan purpose.

In addition to examining the repayment ability of the lender, it is also necessary to find a guarantor, even if there is no guarantor, collateral is needed. Even if it is a personal business loan, under normal circumstances, both husband and wife need to be present to sign.

So whether you want to repay the loan or not depends first on whether you are the loan principal or the guarantor. If you are the loan principal, I'm sorry, even if the money is used by your uncle, it's still your loan and needs to be repaid. However, if you keep the evidence, you can get it back from your uncle. This is a civil dispute between you.

Whoever advocates, who gives evidence, needs evidence even if he tears his face, otherwise he can't go to court.

We can be sure that this so-called bank is by no means a formal bank, such as a formal bank of communications industry and commerce. Regular banks may say that they can borrow 200,000 yuan just by commenting on a marriage certificate.

Now there are various banks, such as a township bank and countless banks, but they must be approved legal banks, but lending for profit is loose. After getting a marriage certificate, you must agree to the contract and sign it, otherwise the bank will not lend, which can be called credit mortgage. You must be young, not afraid that you won't pay it back. He hasn't paid back the creditor's rights and transferred the credit mortgagor. Only you can pay back the money. There is no doubt about it.

What must be argued is how much your relatives say you can pay back, so you can pay more money to calculate this account and tell you that the interest is very high. No matter whether the money is yellow or not, no matter how long it takes, the principal and interest will not be less.

-

If you are the guarantor and your uncle doesn't pay back, the bank will sue both the borrower and the guarantor, so either you mobilize your uncle to pay back the money, or you pay back the money and ask your uncle for it. If blacklisted, there will be a lot of trouble in the future, and it is difficult to cancel the credit record, which will affect future loans, travel, children's education and so on!