1. What are the conditions for a housing loan guarantor?

He has a fixed income and wants to adopt it.

2. What are the conditions for a loan guarantor?

He can be a loan guarantor if he has a full civil act and is between 18 and 65 years old. Holding a legal and valid identity certificate or certificate, and having a permanent residence or permanent residence in the place where the loan application is made; There is no obvious default record and no bad credit record; Have a stable source of income and the ability to repay the loan principal and interest in full and on time.

The so-called loan guarantor means that when the borrower applies for a loan from a financial institution, when the borrower is not able to repay the loan on time, the guarantor is willing to perform the loan responsibility that the borrower has no judgment method according to the contract. Of course, not everyone can be a loan guarantor. Financial institutions still have many requirements for loan guarantors. According to the qualifications of borrowers and the amount of loans, the choice of loan guarantors will be affected. For example, schools, kindergartens, hospitals and other public welfare units cannot be used as loan guarantors. In fact, the loan guarantor and the borrower are both taking the risk of the loan, and the financial institutions have the same requirements for credit information when reviewing the guarantor's qualification as the borrower. The loan guarantor's credit information must be good, and he has no bad credit record. If the loan guarantor's credit record is poor, it will affect the guarantor's guarantee ability, and financial institutions will not recognize the guarantor's guarantee qualification.

legal basis: article 681 of the civil code of the people's Republic of China provides that a suretyship contract is to guarantee the realization of creditor's rights, and the surety and the creditor agree that when the debtor fails to perform the due debts or the circumstances agreed by the parties occur, the surety will dig a contract to solely perform the debts or assume the responsibilities.

article 683 of the civil code of the people's Republic of China, an organ as a legal person may not be a guarantor, except that it is approved by the State Council to use loans from foreign governments or international economic organizations for lending.

a non-profit legal person or unincorporated organization aiming at public welfare may not be a guarantor.

third, what is the guarantor of rural commercial bank?

as a guarantor, the basic condition is that the guarantor needs to have the ability to provide guarantee (property, credit).

(1) The loan object is a natural person with full capacity for civil conduct.

(2) Having permanent residence or valid residence status in cities and towns means that the borrower is required to have legal status.

(3) Have a stable occupation and income, good credit and the ability to repay the loan principal and interest.

(4) There are some differences among banks in the down payment requirements.

(5) There are assets recognized by the lender as collateral or pledge, or there are units or individuals that meet the prescribed conditions and have compensatory ability as guarantors to repay the principal and interest of the loan and bear joint and several liabilities.

(6) Have a house purchase contract or agreement.

(7) Other conditions stipulated by the lender.

Fourth, what conditions do you need for a mortgage guarantor?

Calculate how much it will cost to decorate your home. Now, you need a guarantor for buying a house loan after 9, because banks will consider the loan risk, in fact, they mainly want to see the borrower's conditions. What conditions do mortgage guarantors need? Let's take a look with Xiaobian. What conditions does the mortgage guarantor need? 1. The mortgage guarantor needs to have a permanent residence or a long-term residence ID card. 2. The mortgage guarantor really needs to have a stable income and job, a good personal credit report and a certain repayment ability. 3. The guarantor of the mortgage needs to have a savings account or a provident fund account in the loan bank. 4. If the guarantor of the mortgage is a guarantee company, it is necessary to have assets recognized by the creditor as collateral. What is the responsibility of the mortgage guarantor? If the borrower does not repay, the mortgage guarantor has the responsibility to repay. Before being a guarantor, you should think carefully. Even if the relationship between the guarantor and the debtor changes, it is still valid. When the guarantor of the mortgage is signed as a guarantee, it is a permanent guarantor. The mortgage guarantor is responsible. Under normal circumstances, the borrower repays the loan by himself, and the guarantor doesn't have to worry about it. The loan amount and monthly payment borrowed by the borrower will be displayed in the credit record of the guarantor. When the mortgage guarantor needs to apply for a loan himself, all the guaranteed debts will be regarded as his own debts. Usually, the loan institution will be counted in the debts, which may also affect the loan amount of the guarantor. The article concludes: What are the requirements for mortgage guarantor? The mortgage guarantor needs to have a permanent residence or a long-term residence ID card. A mortgage guarantor needs a stable income and job, a very good personal credit report, and a certain repayment ability. The guarantor of the mortgage needs to have a savings account or a provident fund account in the loan bank. If the guarantor of the mortgage is a guarantee company, it is necessary to have assets recognized by the creditor as a mortgage loan. Enter the area and get the decoration quotation for free.