Of course. When the user acts as a loan guarantor for others, a loan record will also appear in the credit information. For example, if a user can apply for a loan of up to 500,000 yuan and has guaranteed 300,000 yuan for others, then the user can only apply for 200,000 yuan at most. Therefore, the user has a loan plan in the near future and should not be a guarantor for others. Of course, users have good credit qualifications and strong repayment ability, and it is also possible to apply for large loans. The loan is risky, please consider it carefully.

Second, I have guaranteed 200,000 yuan to others in the bank, but can I still borrow 200,000 yuan myself?

You can guarantee loans for others, but nowadays people rarely provide financial guarantees for others. Even the best friends can't believe it. Unless there are special relationships and special interests, the person who provides guarantees is a fool.

3.20 17 Bank loan of 200,000 yuan, paid off in ten years, mortgage interest rate and guaranteed loan interest rate.

Interest rates are generally divided into annual interest rate, monthly interest rate and daily interest rate. The annual interest rate is usually expressed as a percentage. For example, the annual interest rate is 7.2%, which means that the principal is 100 yuan, and the accrued interest for one year is 7.2 yuan. The monthly interest is usually expressed by a dial indicator, and the principal is 1 1,000 yuan. January is often expressed in thousandths. For example, the daily interest rate is 20/000, that is, the principal is 1 000 yuan, and the accrued interest is 2 yuan. In the calculation process, it should be noted that the expression of interest rate is the same as that of deposit term. Annual interest rate, monthly interest rate, daily interest rate × 12= daily interest rate× 30-day interest rate = monthly interest rate The basic formula has three elements, namely principal, time and interest rate. The principal can be the deposit amount or the actual deposit and loan time. Interest rate is the ratio of determined interest amount to deposit amount. The calculation method of interest is divided into simple interest and compound interest. Sum = principal ×( 1 interest rate× term: for example, a depositor's five-year time deposit 1000 yuan, with an annual interest rate of 13.68%. When the deposit expires, the interest payable to the depositor is 1000 yuan × 13.68% × 5 =. Compound interest is the symmetry of simple interest, that is, after the interest and principal reach a certain amount, the interest is calculated and accumulated one by one. The formula of compound interest is: principal and interest = principal (1 interest rate) and-principal. At present, the calculation method of simple interest is still adopted in China.

4. Under what circumstances does the guarantee need five people?

First, how many people do you need to guarantee a bank loan?

Some banks need one or more, and some banks don't need a guarantor for loans. Specific requirements need to consult the specific provisions of the bank. If you choose a mortgage loan, you may not need a guarantor because the assets already used are used as collateral; If it is a credit loan, it is more likely to need a guarantor. At this time, the better the credit and qualification of the guarantor, the greater the amount of guarantee, the lower the risk of bank loan, and the easier the loan is.

Second, do you need a guarantor for personal loans?

Whether the mortgage loan needs additional credit from other guarantors depends on

1, the value of collateral

2. Credit information of the borrower

If the bank requires the borrower to provide other guarantors to increase credit. We can only cooperate with banks.

Third, how much can a personal loan borrow at a time?

How much you can borrow at a time depends on your credit and income, and you can't be sure how much. An individual or enterprise borrows money from a bank by using its own credit and income certificates, financial certificates and other materials, without a guarantor. However, the bank's audit is strict, and it is difficult to get the ideal loan amount. At this time, you can also consider using other ways to borrow money, which is also unsecured, but the data review is simpler and the approval is faster. Whether a guarantor is needed depends on the situation.

Four, a person can be a guarantor for several people at most.

The number of people is not limited, and the key depends on the credit rating and credit limit of the guarantor.

For example, if the credit line of the guarantor is 6,543,800 yuan, then the total loan he can guarantee is 6,543,800 yuan, 6,543,800 yuan for one person, 50,000 yuan for two people and 20,000 yuan for five people, as long as the total guarantee amount does not exceed 6,543,800 yuan.

Of course, if you guarantee loans for others, your credit balance will decrease. For example, if you borrow 50 thousand, you can only guarantee 50 thousand for others Of course, this is only theoretical. In practice, banks may allow excessive guarantee or reduce the amount of guarantee according to the specific credit situation.

So to sum up, a bank loan does not require several guarantors. Mainly depends on their own conditions and the amount of the guarantor's guarantee, and then depends on whether the bank needs a guarantor. If you need a guarantor, there is no fixed requirement for the number. The better the qualification, the fewer people need to be guaranteed, and the greater the amount that can be guaranteed. Generally speaking, it depends on the relevant regulations of the bank.