; ? Personal loans are still relatively common in real life. After all, everyone will have to borrow money because of cash flow. Many people always have some questions about handling personal loans. For example, will someone ask a personal loan of 50 thousand yuan need a guarantor? Is it easy to pay with a guarantor? Let me give you a brief introduction.
Do you need a guarantor for a personal loan of 50 thousand?
You don't necessarily need a guarantor, mainly depending on the loan type and the lender's ability to take risks.
Although the loan amount of 50,000 yuan is relatively large, if it is a personal credit loan, no matter how large the loan amount is, it will not be given to the guarantor. As long as the lender has a relatively large risk-taking ability and a stable solvency, the guarantor without bad credit will give it.
However, if you apply for a secured loan, you need a guarantor to provide a guarantee as a guarantee of your repayment ability. Even if the loan amount is relatively small, less than 50 thousand, the lending institution will let the lender find someone to provide guarantee, regardless of the loan amount.
Is there a guarantor who can get a personal loan of 50 thousand yuan?
It can only be said that the guarantor is not omnipotent, and the key depends on the borrower's comprehensive credit conditions.
For example, some borrowers have found guarantors with excellent qualifications in all aspects, but the borrowers' own qualifications are not good, such as no stable work income or poor personal credit, and they belong to black households. Lending institutions are not at ease to lend borrowers 50,000 yuan.
Therefore, if the borrower wants to successfully borrow 50,000 yuan, it is still necessary to ensure that the personal credit conditions at least meet the basic requirements of the lending institution.
The above is "Do you need a guarantor for a personal loan of 50,000 yuan?" I hope it helps you.
Do you need a guarantor for a loan of 50 thousand yuan?
With a loan of 50,000 yuan, if the creditor requires the debtor to provide a guarantee to ensure the realization of his creditor's rights, a guarantor is needed. If the creditor does not ask for a guarantee, there is no need for a guarantor. Whether it is necessary to provide a guarantee can be negotiated by the parties themselves.
legal ground
Article 387 of the Civil Code
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.
Article 388
To establish a security interest, a security contract shall be concluded in accordance with the provisions of this Law and other laws. Guarantee contracts include mortgage contracts, pledge contracts and other contracts with guarantee functions. The guarantee contract is a subsidiary contract of the main creditor's rights and debts contract. If the principal creditor's rights and debts contract is invalid, the guarantee contract is invalid, unless otherwise stipulated by law.
If the debtor, guarantor and creditor are at fault after the guaranty contract is confirmed to be invalid, they shall bear corresponding civil liabilities according to their faults.
How can an individual borrow 50,000 yuan from a bank?
I suggest you choose formal channels to apply for loans. If you need to apply for a small cash loan, China Merchants Bank launched a lightning loan business. At present, you can apply through mobile banking, and you can also check whether you are eligible to apply.
1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.
2. If you have a savings card of China Merchants Bank, you can log in to mobile banking and click "My → All → Loan → Flash Loan" to apply for flash loan. Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.
3. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 300,000 yuan, subject to the loan page. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP of China Merchants Bank or the online banking "lightning loan" module to check your maximum application amount. The minimum amount of a single withdrawal is 1 1,000 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1 1,000.
4. There are two ways to apply for a loan within the lightning loan limit:
(1)/kloc-lend within 0/5 minutes, and automatically approve within 5- 10 minutes. Lend immediately after approval, and notify the result by SMS.
(2)T+ 1 day loan. There will be telephone verification within T+ 1 day, and the loan will be arranged after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.
Tips: ① If there is no automatic lending within 5- 10 minutes, it is normal to wait for telephone review. The approval progress cannot be directly queried, and the approval result shall prevail.
(2) When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.
(Response time: May 5, 2022. Please refer to the latest business changes announced by China Merchants Bank in official website. )