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What does it take to be a cashier guarantor?
1. What are the requirements for being a cashier guarantor?

1. To be a cashier guarantor, the guarantor must be local, and you need to show your ID card or household registration book, proof of work income, etc.

2. The cashier shall, in accordance with the relevant regulations and systems, handle the cash receipt and payment, bank settlement and related accounts of the unit, and keep cash on hand, marketable securities, financial seals and related bills.

3. Cashier is a very sensitive and special job, and all units attach great importance to it. Generally speaking, a local account is required so that you can know its origin. Some units should conduct home visits and external transfers when recruiting, and issue a certificate of no criminal record.

4. If you are not a local account, you generally need a local guarantor. The specific requirements of each unit are not exactly the same.

2. What are the conditions for buying a house with a loan from China Credit Cooperatives (Shaanxi Credit Cooperatives)? Do you need a guarantor? Note: Some friends want to get a loan from Shaanxi Credit Cooperatives, saying that they need a loan.

First of all, I tell you that there are no contacts in the loan at present. There are only borrowers and guarantors in the loan business (I am mainly based on Jiangsu Rural Credit Cooperatives, but I am not sure about Shaanxi). Secondly, when buying a house, you need to use a time-sharing secured loan or mortgage loan. If it is a mortgage loan, no one else is needed, as long as the borrower agrees to use the property as collateral. If it is a secured loan, you need a guarantor, and there is no contact person at all. If the guarantor is responsible for the general guarantee, that is, if the borrower fails to repay the loan, the bank can recover from the guarantor. It is possible to take the guarantor to court for compensation. Therefore, we must pay attention to protection. Only when you have enough understanding and trust in each other can you guarantee others.

3. What are the requirements for the guarantor in housing loan?

Subjectivity of law: whether mortgage needs a loan guarantor, banks will generally consider the loan risk, mainly depending on the borrower's conditions. For example, the borrower has ideal conditions in all aspects, high income, stable occupation and good credit, and generally does not need to increase the guarantor. However, if the borrower's income is not enough, or his credit history is not good, and the down payment is not enough, the lending institution will ask the borrower to find a guarantor to personally bear the debt of the house. Article 687 of the Civil Code stipulates in the suretyship contract that when the debtor fails to perform the debt, the surety shall bear the suretyship responsibility, which is a general suretyship.

Legal objectivity: Article 387 of the Civil Code of People's Republic of China (PRC). Where a creditor needs security in order to ensure the realization of his creditor's rights in civil activities such as lending, buying and selling, he may establish a security interest in accordance with the provisions of this Law and other laws. If a third party provides a guarantee for the debtor to the creditor, it may require the debtor to provide a counter-guarantee. The provisions of this law and other laws shall apply to counter-guarantee.

Four. Conditions of guarantor of housing loan

You don't need a guarantor to buy a house, you just need to apply for a mortgage loan, whether it's a commercial house or a second-hand house. And simple and convenient, commercial housing developers do it directly, and second-hand housing agents do it directly for you. You just need to provide relevant identification.