Generally speaking, it is not clearly stipulated that applying for a loan must be guaranteed by a guarantor. The reason why the borrower is required to provide guarantee is mostly because the borrower's qualification is not good enough, and the lending institution only asks the borrower to provide guarantee when it feels that there is risk. If the borrower's income is stable and his personal credit is good, it is easier to apply for a loan. Of course, in addition to the guarantor, the borrower can also apply for a loan if he can provide relevant collateral, such as real estate and cars. In the case of goods guarantee, borrowers are likely to apply for loans even if their personal qualifications are average. However, different lending institutions have different regulations, and the specific situation requires borrowers to follow the regulations of relevant institutions.
The general guarantor needs to meet the following conditions when applying for a bank loan: 1, a natural person with full civil capacity, aged between 18 (inclusive) and 65 (inclusive); 2. Have legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status; 3. Have a good credit record and willingness to repay; 4, with a stable source of income and the ability to repay the loan principal and interest in full and on time.
Legal basis:
People's Republic of China (PRC) Commercial Bank Law
Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method.
Commercial bank loans shall be subject to the system of separating loan review from grading approval.
Article 36 When a commercial bank issues a loan, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.
Article 37 A commercial bank shall sign a written contract with the borrower when granting loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.
Article 38 A commercial bank shall determine the loan interest rate according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China.
What materials does the online loan guarantor need?
Required materials: 1. Original and photocopy of the guarantor's second-generation ID card; 2. Wages provided by banks or other vouchers that can prove their income; 3. The guarantee commitment letter filled out by the guarantor shows that it is willing to provide guarantee for the borrower and fulfill the corresponding obligations; 4 collateral, provide proof of ownership. Article 675 of the Civil Code: The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.
What information does the online loan guarantor need to provide
The materials to be provided by the loan guarantor include the original and photocopy of my second-generation ID card, credit report, bank flow in the last six months, guarantee commitment letter, etc. To become a guarantor, you need to be between the ages of 18 and 65, have the willingness to repay the loan instead of the borrower, and have a fixed residence or a fixed residence in the local area. After submission, the bank will review it.
Do you need a guarantor for mobile phone loan 1 10,000 yuan?
No need. Whether a personal loan needs a guarantor has nothing to do with the loan amount and the loan on the mobile phone. A loan of 10,000 yuan needs to be approved by the bank according to the lender's credit conditions, and only when my credit conditions are insufficient do I need a guarantor. Generally, a loan of 10,000 yuan does not need a guarantor.
Online loans generally have several guarantors.
1 The guarantor has legal effect. 1. In the loan-loan relationship, as long as there are creditor's rights and debts, both parties are formed; 2. There are often guarantors in online loans; 3. The guarantor can be considered as an individual or an institution, as long as there is one party. Generally, multiple guarantors are needed, all of which are put forward by creditors and have no direct relationship with legal effect. Article 696 of the Civil Code: If a creditor transfers all or part of its creditor's rights without notifying the guarantor, the transfer shall not be effective for the guarantor. The guarantor and the creditor have agreed to prohibit the transfer of the creditor's rights, and if the creditor transfers the creditor's rights without the written consent of the guarantor, the guarantor is no longer liable to the assignee.