It depends. If it is stipulated in the contract that the lender cannot be changed, it cannot be changed. If there is no specific agreement, it can be changed according to the principle of party autonomy. Article 5 of the Civil Law of People's Republic of China (PRC) * * When engaging in civil activities, civil subjects shall follow the principle of voluntariness and establish, change and terminate civil legal relations according to their own wishes. Article 143 A civil juristic act that meets the following conditions is valid: (1) The actor has corresponding capacity for civil conduct; (2) the meaning is true; (three) does not violate the mandatory provisions of laws and administrative regulations, and does not violate public order and good customs. Article 471 The parties may conclude a contract by offer, acceptance or other means.

Can the loan guarantor of rural credit cooperatives be replaced?

The loan guarantor of the rural credit cooperative can be replaced, but it needs the consent of the rural credit cooperative, and the new guarantor needs to submit proof, including work certificate, bank account, commitment letter, etc. , can be replaced after the audit. The borrower had better ask before the replacement, so as not to cause some trouble during the replacement.

When the borrower fails to repay the loan on time, the loan guarantor needs to bear the repayment responsibility. If the borrower does not repay, the guarantor will not repay. At this time, the bank will ask the borrower or guarantor, or at the same time, after the judgment, it can apply for enforcement.

Before becoming a guarantor, it will be more difficult for individuals to apply for loans. If they have the possibility of getting a loan in the future, it is best not to be a guarantor, because the bank will think that the guarantee is also a debt, and the bank will not approve it unless the user can provide better proof of income when applying for a loan.

After handling the loan, the borrower shall repay the loan on time. If you can't repay on time, you can borrow money from friends around you at this time to avoid overdue. In fact, it takes a long time to apply for a loan in a bank. When the loan amount is not very high, users can give up bank loans and borrow directly from friends around them.

Can the lender change?

Under certain conditions, the borrower of BOC's personal commercial loan can be changed. For detailed changes of conditions and procedures, please consult the loan processing branch of Bank of China.

The above contents are for your reference. Please refer to the actual business regulations.

Can I change the name of the credit union after the direct subsidy loan is repaid?

You can't change the loan once it is paid back.

When your loan has not been repaid, you can't change your name on the loan ledger of the rural credit cooperative unless you repay all the loans on the ledger and then apply for a loan.

The loan name of rural credit cooperatives cannot be changed. If you see a loan from a rural credit cooperative, you can repay it on time. The name of the person who can't change the loan can be changed.