But it doesn't rule out accidents, so be sure to listen clearly on the phone and explain directly on the phone that you won't be a guarantor and keep the recording yourself.

If a friend leaves your phone number to make a loan certificate, under normal circumstances, you won't have any risk, but to be safe, you must first determine three things.

1. Which unit is calling? If it is a bank, usually they will introduce themselves first, just to prove whether this person exists or works there, and your relationship with him is just that.

If it is private lending, you should answer it seriously. As long as sensitive words such as guarantee or good friend are involved, we should be careful not to agree casually to avoid being maliciously recorded.

You should ask your friend what kind of loan it is and whether it is different from the caller.

Before you hang up, you should add that you are only making a certificate for your friend, not making any promises or guarantees.

Extended information emergency contact is not responsible.

Actually, the emergency contact is neither co-borrower nor the guarantor. When the bank or loan company can't contact the borrower, you can call this number to find the borrower and ensure that you can get the repayment in time.

Being an emergency contact doesn't mean you have an obligation to repay the loan, so even if the loan company calls every day, you don't have to pay attention to it. Banks and loan companies have no right to force you to repay.

The difference between an emergency contact and a guarantor is as follows:

The guarantor guarantees the borrower. When the borrower is unable to repay the loan, the guarantor has the obligation to help repay the loan, but the emergency contact person has no obligation to bear the debt.

This became a response to the emergency contact reminder:

As an emergency contact, it is best to remind the borrower to repay the loan on time. If the borrower is really unable to repay, or can't contact himself, you can set up a telephone interception, and don't pay attention to the dunning phone of the loan company, knowing that you have no obligation to help him pay his debts.

reference data

People's Network-"Work together to eradicate' routine loans'"