If he is burned down for various reasons (such as the house is on fire), you can be a guarantor. Therefore, generally do not be a guarantor easily.

2. What should I do if I owe a loan of more than 100,000 yuan and can't repay it?

When the bank loan is unable to repay, you can try the following methods:

1, ask relatives and friends for help. If it's really urgent, you can find relatives and friends to repay the money, and then return the money to them when the capital turnover is good. However, if the amount is relatively large, it is estimated that borrowing from relatives and friends will not make up the gap. But generally speaking, the amount of installment payment will not be too large, so this method is generally acceptable.

2. Apply for an extension. If the personal loan cannot be repaid, you must first communicate with the bank's credit manager and explain the reasons. We must be sincere, so the credit manager may give us some time. However, this is not a long-term solution. If the loan cannot be repaid at maturity, it will be regarded as a breach of contract and the credit record will be defiled. However, according to the regulations of the bank, as long as the overdue period is not more than three months within two years and the accumulated overdue period is not more than six times, it will not have a negative impact on the loan. So hurry up and apply for an extension. As long as the applicant has a good repayment record and sufficient reasons, he can apply to the bank for an extension. But some banks are not allowed, so you should consult the bank in advance.

3. Use credit card to repay the loan skillfully. Generally speaking, it is enough to repay the loan in installments with credit card money. If the borrower can't make it, he can borrow a credit card to repay the loan. Before applying for a loan, you should still make a repayment plan and try to repay within the specified time to avoid overdue, expenses and the impact on credit information.

Third, personal bank loans are unable to repay.

There is no possibility that a bank will accept a bill of exchange, because it cannot be circulated and people cannot buy or sell it. The risk is so great that the bank will not accept it.

4. What if the bank loan is unable to repay when it expires?

After the bank loan expires, if it is unable to repay, the following measures can be taken:

1. Apply for deferred repayment: If you have a good attitude and show inability to repay in a short time, you can apply for deferred repayment from the bank.

2. Apply for installment repayment: When the repayment amount is too large and the repayment ability is insufficient, you can apply for installment repayment, and you can divide the arrears into multiple installments to ease the repayment pressure of each installment.

3. Borrow money from relatives and friends to repay: If the amount owed is not large, you can borrow money from relatives and friends to repay the debts of the bank first, and then return the borrowed money afterwards.

4. Repayment of assets at a discount: If you have jewelry, real estate, vehicles and other properties in your hand, you can discount these items to repay the debts of the bank.