Banks don't collect real information about the borrower's loan purpose, but they still pay the money. Can the guarantor be exempted from liability?

Personally, I don't think the guarantor can be exempted, because you guarantee others' loans yourself, so you should be aware that this is risky. You know that the lender provided false information to get a loan, but you still provided him with a guarantee, but you still provided a guarantee to others instead of avoiding this risk.

2. Can I get a loan without a guarantor?

You can do without a guarantor. If the borrower does not repay the loan, he can go directly.

Write the IOU in the following format:

1. The legal full names of the borrower and the lender shall be clearly written;

2. The loan amount should be clearly written, including the amount expressed in words and figures;

3. The term of the loan should be clearly written, including the start and end dates of the loan and a clear loan term;

4. The specific repayment date should be clearly written;

5. The loan interest should be clearly written, with a clear annual interest rate or monthly interest rate, and the total amount of loan interest that should be paid in the end (including the amount expressed in words and figures);

6. The date, month, day, time and payment method of repayment of loan principal and interest shall be stated;

7. There should be the borrower's personal signature, handprint or handwritten signature.

The effectiveness of IOUs can be divided into two situations:

1. If there is only the borrowing time but no repayment time is agreed, the creditor may bring a lawsuit to the people at any time before the expiration of the two-year limitation of action, or when the debtor's economic situation deteriorates and he is unable to repay his debts;

2. If the repayment time is clearly stipulated in the IOU, the limitation of action shall be calculated within two years from the agreed repayment time.

3. If someone borrows money without a guarantor, can I borrow money from the person who introduced me?

cannot

The guarantee contract must be in written form.

If the creditor signs a loan contract with a third party other than the debtor, and there is no agreement on what kind of guarantee responsibility to bear, the third party will be considered to bear the highest guarantee responsibility-joint and several liability.

If there is no third party signature, there is no guarantor.

4. Can I get a loan without a guarantor?

Yes, it is up to the lender to decide whether the loan needs a guarantor. If the lender asks for a guarantee, the borrower cannot apply for a loan without providing a guarantee, but providing a guarantor is not a necessary condition. According to the law, a loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest. According to Article 667 of the Civil Law of People's Republic of China (PRC), a loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.