If you are afraid of hurting your feelings, say that you have an external account.
Second, the best excuse for refusing to make a guarantee?
If the other party wants to find a guarantor for a house loan, in fact, the reason for refusing is particularly simple, that is, he is also preparing to buy a house, fearing that giving you a guarantee will affect his own purchase. People who know a little will not struggle.
Our usual trick is to move out of the family. If you are single, you can say that I will discuss it with my parents. After all, this is not a trivial matter, and I don't understand it. It's not up to me to discuss or disagree. In a day or two, I will reply to each other and say that my parents disagree. I am a very obedient person.
If you get married, it will be easier. If the spouse moves out, the husband (wife) will not agree, but it must be tactfully. I explained to him for a long time that you are my best friend and have a very good credit. He just didn't agree, so we quarreled. I can't help it I can't divorce. When most people hear the word divorce, many people don't have enough consciousness to speak again.
Three, how to refuse to make a secured loan to others four best reasons for refusing to make a guarantee.
Our university law teacher once taught us in class that any guarantee was too young to understand these social rules at that time. It is a heart to enter the society now. Guaranteeing loans to others is really not good except selling personal feelings. So how do you refuse to see if the loan is guaranteed to others?
What are the risks of guaranteeing loans to others?
The guarantor, Samson Bank, will not be liable for repayment at maturity. Legal measures taken to ensure the realization of creditor's rights. If the guarantor fails to fulfill his promise at that time, the guarantor will perform the corresponding responsibilities on his behalf, so it is risky to provide guarantee for others.
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People are floating in society. Don't say it's not your turn yet. Maybe your friend will come to you tomorrow and refuse to do the following.
1. Helping others to guarantee loans usually requires the guarantor to provide collateral. You can say that your house, car or other valuables have been mortgaged and there is no way to get a mortgage.
2. If it is a secured loan that requires proof of work, you can say that your company does not issue a proof of income because your salary is used to guarantee the repayment of the mortgage.
3 Your partner or family strongly disagrees with your guarantee;
4. Ask friends in the bank to help prove that they have no guarantee ability.
A few people who refuse to make secured loans do not suggest that you help others make secured loans. Say no if you can. Generally, people who ask others to help guarantee loans are sure that there are other ways to borrow money. You can also advise your friends to ask private lending institutions. Four, how to refuse to guarantee loans to others, refused to do the four best reasons.
1. You don't meet the loan conditions, so you can't get a loan. The guarantee company wants you to pay a high guarantee fee, but you can't. You don't have a fixed income, so you can't bear the security responsibility. You don't have fixed assets, so you can't bear the guarantee responsibility.
The above is the best reason to refuse to make a guarantee.
The guarantor's responsibility is to pay off the loan to the bank for the lender when the lender is unable to repay. If the Lender fails to pay off the loan within the time limit agreed in this contract, the Guarantor will bear joint and several repayment responsibilities.