How to refuse colleagues to be guarantors of commercial loans

You can say it directly or decline it.

The risk of guaranteeing others is considerable, and the guarantor is jointly and severally liable for the loan. If the lender fails to repay the loan, he can recover from the guarantor. In case of default, the credit record of the guarantor will be affected. It's best to say tactfully that your family doesn't agree. You can directly refuse or shirk that your family strongly opposes it.

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