Nowadays, many people will use other people's credit to borrow money, resulting in others being heavily in debt. Therefore, we must be cautious when lending money to others. If we help others borrow money, we need to pay attention to the fact that we have to bear the repayment ourselves. Therefore, we need to be vigilant in this regard and don't help others borrow money at will. But what if you have no money to help others borrow money? The following is Bian Xiao's detailed answer.

1. What should I do if I don't help others repay the loan?

1. If someone fails to repay the loan with your ID card, there is no criminal responsibility involved.

2. Others borrow money with your ID card. Although it is your name, the loan has nothing to do with you as long as you are not present to sign it.

3. According to the provisions of the Civil Code, if the parties conclude a contract in the form of a contract, the contract is established when the parties sign and seal it or press their fingerprints. Before signing, sealing or fingerprinting, one party has fulfilled its main obligations, and the contract is established when the other party accepts it.

A contract shall be concluded in written form as stipulated by laws, administrative regulations or agreed by the parties. If the parties do not do this in writing, but one party has fulfilled its main obligations and the other party accepts it, the contract is established.

Signature must be signed by himself or himself, and notarized power of attorney should be provided for signature.

If you sign or press your fingerprint, you are the debtor. Or there is evidence that the loan funds are actually used by you in part or in whole, you should bear the obligation to repay. If the repayment is not made on time, the bank can enforce it through the court.

Second, how to help others guarantee that others can't afford the loan?

The guarantor shall be responsible for repaying the loan within the guarantee period.

If the creditor fails to require the guarantor to assume the guarantee responsibility during the guarantee period agreed in the contract and the guarantee period stipulated in the preceding paragraph, the guarantor shall be exempted from the guarantee responsibility.

Third, the responsibility of the guarantor.

(1) General warranty responsibility.

Its responsibility is that when the debtor can't pay off the due debt, the guarantor should bear the responsibility, that is, pay off the due debt.

(2) Joint and several liability.

The creditor's responsibility to pay means that when the debt reaches the repayment period, the creditor has the right to ask the debtor or guarantor to repay the debt.

When the guarantee is a general guarantee, the guarantor has the right of defense, that is, the guarantor has the right to refuse the creditor's repayment request before the creditor applies to enforce the debtor's property or fails to enforce the security interest. Co-guarantors have no such right.

What should I do if I encounter problems such as outstanding loan liabilities, loans overdue, high interest rate and collection?

Reminder: According to the above answers, we can clearly understand that it is risky to help people borrow money at will, so we must handle the loan problem carefully. If it is not handled well, it will affect personal credit information and the consequences will be very serious. If you don't know how to deal with it, you should seek help from a professional lawyer. Lawyers will give professional advice and solutions. You can click the consultation button below to communicate with professional lawyers one-on-one and get an effective solution.