Legal analysis: influential, as follows:

Being a guarantor for others to buy a house may have an impact on future purchases and personal credit information.

When the borrower fails to repay the loan, the guarantor shall bear the repayment responsibility. When the guarantor borrows again, the bank will also check the credit record of the guarantor, and the guarantor's serious bad record will be affected.

The bank's requirements for the guarantor are generally that it must be a local account, with a good economic foundation and stable income. As a guarantor, the borrower has to bear the repayment responsibility without repayment, so once he agrees to guarantee the lender, he agrees to bear the repayment risk for him. Under normal circumstances, if you make a loan as a guarantor, the bank will also check the credit history of the guarantor. The guarantor's serious bad record will affect his credit information.

Legal basis: Article 700 of the Civil Law of People's Republic of China (PRC), after the guarantor assumes the guarantee responsibility, unless otherwise agreed by the parties, he has the right to recover from the debtor within the scope of his guarantee responsibility and enjoy the creditor's rights to the debtor, but he shall not harm the interests of the creditor.

Unscramble the Guarantee System of Civil Code

Article 18 A guarantor who assumes the responsibility of guarantee or compensation has the right to recover from the debtor within the scope of his responsibility.

Where the same creditor's right is guaranteed by both the debtor and a third party, the third party who is liable for guarantee or compensation may exercise the creditor's right guaranteed to the debtor.

If there are several guarantors for the same debt, the guarantors who bear the responsibility of guarantee or compensation may recover from other guarantors.

Article 13 Where two or more third parties provide guarantees for the same debt, and the guarantors agree to recover from each other and share the shares, the guarantor who undertakes the guarantee liability may request other guarantors to share the shares according to the agreement; Where the guarantors agree to undertake joint and several guarantees, or agree to recover from each other without sharing the shares, each guarantor shall share the part that cannot be recovered from the debtor in proportion.

There are more than two third parties who provide guarantees for the same debt, and no agreement has been reached between the guarantors on mutual recovery and joint guarantee. However, if all the guarantors sign, seal or print the same contract, the guarantor who undertakes the suretyship responsibility may require other guarantors to share the part that cannot be recovered from the debtor in proportion.

Second, my friend asked me to give him a house guarantee. What impact will it have on my future purchase?

When your friend can't repay the loan, the bank will ask you to repay it. This is the biggest problem. . . Think about it. Not every friend is a friend now. Be careful and see if it is worth taking such a big risk.

Third, others buy a house and let me be the guarantor. Will it affect my future purchases?

There must be. If the buyer's own qualifications and running water are all right, the bank will not let the guarantee. Once the guarantee is needed, the buyer, that is, your friend, has insufficient income or quality problems. Banks are worried about the risk of loans, so they need guarantees.

① Assuming insufficient income, there will be repayment pressure. If you can't repay on time, it is overdue, and the credit will be recorded. You are the guarantor. When he fails to repay the loan in time, you will be jointly and severally liable.

(2) Poor qualifications, which are mostly cases of chaotic loans, excessive loans or overdue times. This situation should be more cautious. Once the borrower frequently borrows money or fails to repay it on time, the guarantor shall bear joint liability.

If the above two situations do not exist, it will also affect you.

4. Will it affect my buying a house in the future if others ask me to be a guarantor?

You can buy houses and individuals in the future.

Second, when the borrower fails to repay, the guarantor shall bear the repayment responsibility. As a guarantor, if you borrow again, the credit record of the guarantor will be affected.

Three, the bank's requirement for the guarantor is generally that it must be a local account. As a guarantor, the borrower has to bear the repayment responsibility without repayment, so once he agrees to guarantee the lender, he agrees to bear the repayment risk for him. Under normal circumstances, your bank will also check the credit history of the guarantor. If the guarantor's record is seriously bad, it will.

Four, according to the different ways of guarantee, China's "guarantee law" will be divided into general guarantee and joint and several liability guarantee. Trial or arbitration, and debt, only need to bear the responsibility of guarantee. If the guarantor of the latter fails to perform the debt after the expiration of the debt performance period stipulated in the main contract, as long as the creditor is willing, he must bear the guarantee responsibility within the scope of guarantee. It can be seen that general guarantee is less risky than joint and several liability guarantee. However, the "Guarantee Law" also stipulates: "If the parties have not agreed or the agreement is unclear, they shall bear the guarantee liability according to the joint and several liability guarantee." Five, the joint and several liability guarantee of bank consumer loans depends on how to reach an agreement with the bank. As far as Dongguan Bank is concerned, it will require joint and several liability guarantee, but it can make relevant agreements on the guarantee period and scope. Under the above circumstances, in order to reduce the guarantee risk, the parties can agree that the guarantee method is general guarantee, and clearly stipulate the guarantee period and scope, so as to minimize the opposite impact.