If I can guarantee it, I won't. There are too many practical examples, and the loan is not repaid. In the end, the guarantor was unlucky and even went to jail. My colleague's son owes a lot of debts outside, and his father can't read. The debt collector knows the father of the child, so he says, you guarantee, sign, no problem, just get to know it, anytime. Unexpectedly, he was arrested and spent ten days in prison after being accused. In the end, there was really nothing to do. I'm too busy to live in my mother-in-law's house when I sell my house to pay my debts. It is often people with good relationships, or relatives, who will do this. Of course, at the beginning, the loan was not for cheating money, but because the business was sluggish, or something happened, the money was gone, and it could not be returned, and it was killed. I don't want money, and that's it.

We should pay attention to this. My cousin is a doctor. He is a teacher and has a three-year-old son. Her father-in-law teacher has retired and has a good family. A friend borrowed 300,000 yuan from her cousin's husband, Bao Dan, and the three of them made a total of * * *1million. The lender ran away and my cousin got divorced. Ten years later, my mother did a bad thing and ruined the family.

No matchmaking, no security, no worries in life. When relatives borrow money from banks, they usually find someone with a stable income as a guarantee. To put it bluntly, banks should ensure that loans are foolproof. The bank should transfer the loan risk to the guarantor. If you don't have a steady income, will the bank let you guarantee it? I won't. Because you can't repay the loan, the bank loan will be cancelled. Relatives borrow money from banks and find their own guarantees. What should we do? First of all, you can try not to guarantee, which will save you a lot of trouble. Secondly, if you really have feelings, there is no way to avoid the protection, and the amount of protection should be within your own tolerance. To put it bluntly, if the borrower can't repay the loan at maturity, then you have to repay the loan.

If it were me, 99% of the time, I wouldn't agree.

First, the guarantee is responsible. It's not a simple thing to say casually. If the relatives' bank loans are not paid by then, the bank will find a guarantor to repay them.

Second, what about relatives looking for bank loans? Risk geometry? Are there any safeguards? I may not know all this, or I can only listen to his side of the story, which is too risky.

Third, there were also guarantees for relatives and friends before, and the results were not very good.

First of all, whether this person is a relative or a friend, you should know him and his personality.

Secondly, it depends on his existing strength and economic repayment ability.

Look at the risk assessment of the project he asked you to guarantee. If he is good at his field, has the right time, the right place and the right people, and is short of funds, he can consider it.

Finally, do you have the ability to help others, do you want to help others, what is your friendship and friendship level, and do you want to hold this potential stock in the future!

The media and the guarantor must not do this.

First of all, it depends on friendship and the other person's character, which cannot be shirked. It can be written as "General Guarantor: XXX". The general guarantor guarantees that the principal debt is due in six months and has the right of defense.

You can complain to the bank credit manager about joint fraud with the borrower! Because the applicant needs the bank credit manager to check the capital verification and pass the examination before looking for the guarantor, if the borrower does not have the loan conditions and evades the recovery, the guarantor will inevitably bear part of the responsibility, so there is a false capital verification certificate!

Of course, because I know him/her better. However, it is also necessary to analyze specific problems, depending on his or her repayment ability and the practicality of money, as well as the size of the risks he or she bears. The worst outcome is to lose yourself, even make ungrateful efforts, and finally betray an enemy.