1. Can a bank loan guarantor make a loan? During his tenure as a bank loan guarantor, the guarantor can also make loans.
Under normal circumstances, the borrower repays the loan by himself, and the guarantor need not worry, but the loan amount and monthly payment borrowed by the borrower will generally be displayed in the credit record of the guarantor.
When the guarantor needs to apply for any loan by himself, the debt he guarantees will be regarded as his own debt, and usually the lending institution will include it in the debt, which may affect the loan amount of the guarantor.
If you lend money to others as a guarantor, the amount of guarantee is also regarded as a liability. It is suggested to go to the China Credit Department to calculate whether you can apply with your ID card and the lender's repayment schedule.
Second, how can a third party obtain the qualification of bank loan guarantor? (1) A natural person with full capacity for civil conduct, aged between 18 and 65;
(2) Having legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status;
(3) Having a good credit record and willingness to repay;
(four) has a stable source of income and the ability to repay the principal and interest of the loan in full and on time;
Most importantly, when the lender fails to repay the loan, the guarantor will repay the loan for the lender.
Third, as a guarantor of bank loans, we should pay attention to the following points: 1. Since the guarantor of a general guarantee bears unilateral legal liability free of charge, and the guarantor has fulfilled his obligations to the guarantor, if the creditor is lazy in exercising his rights, he shall be exempted from a certain range of guarantee liability.
2. Guarantee is based on the guarantor's trust in the debtor. Therefore, once the debtor changes, the guarantor is generally no longer liable for the debt. If the loan contract is changed without the written consent of the guarantor, the guarantor shall not be responsible for it.
3. In the loan activities between commercial banks and borrowers, there is often an agreement to repay old loans with new loans. Based on the principle that the main contents of the main contract are changed and the guarantor is no longer liable, repaying the old loan with the new loan belongs to the change of the main contract, and the guarantor will not bear civil liability unless he knows and should know about the change agreement. However, if the guarantor of the old loan guarantees the new loan, it cannot be exempted from the responsibility of the guarantor.