What are the requirements for Beijing mortgage guarantor?
According to the provisions of the guarantee law, the third party and the creditor agreed that when the debtor fails to perform the debt, the guarantor will perform the debt or assume the responsibility as agreed. The third party here is the guarantor, including legal persons, other organizations or citizens who have the ability to pay off debts on their behalf, and the creditors here are both creditors of the principal debt. Performing a debt or taking responsibility according to the agreement is called guarantee debt, and some people call it guarantee responsibility. Beijing mortgage guarantor meets the following conditions:
1, a natural person with full capacity for civil conduct, aged between 18 and 65;
2. Have a legal and valid identity certificate and a permanent residence or permanent residence in the local area;
3. There is no obvious record of breach of contract, no bad credit record, and political freedom and personal freedom are unrestricted;
4, can fulfill the obligation of guarantee, have a stable source of income and the ability to repay the loan principal and interest in full and on time.
How does Beijing mortgage guarantor guarantee?
The Detailed Rules for the Implementation of the Measures for the Administration of External Guarantee of Domestic Institutions issued by the State Administration of Foreign Exchange on June 5438+0,1997+February1stipulates that after providing external guarantee, the guarantor shall go through the guarantee registration formalities at the local foreign exchange bureau.
2. Non-financial enterprises as legal persons shall implement the household registration system. The guarantor shall, within 15 days from the date of signing the guarantee contract, go to the local foreign exchange bureau to fill in the Registration Form for Foreign Guarantee and receive the Registration Certificate for Foreign Guarantee. After the execution of the guarantee contract, the guarantee documents will automatically become invalid, and the guarantor shall return the foreign guarantee registration certificate to the original issuing authority.
3, financial institutions to implement the monthly registration system. Fill in the Registration Form of External Guarantee and Feedback Form of External Guarantee within 0/5 days after each month, and report the guarantee situation of last month to the local foreign exchange bureau.
The guarantor's performance of external guarantee obligations must be approved by the local foreign exchange bureau. Financial institutions engaged in foreign exchange business shall go through the formalities of sale and payment of foreign exchange under foreign guarantee with the approval of the foreign exchange bureau. All branches of the State Administration of Foreign Exchange shall also send a copy of the written reply on performance to the State Administration of Foreign Exchange for the record.
Pay attention to procedures and processes when handling mortgage loans. You can consult your local bank for details. The procedures and policies of mortgage loans are different in different regions. What are the requirements for Beijing mortgage guarantor? How to guarantee? The related introduction, I hope to help and inspire everyone to apply for mortgage loans.