Question 1: Do you need a guarantor for personal loans? Whether a personal loan needs a guarantor is approved by the bank according to the lender's credit conditions and approval outline. Only when the lender's own conditions are insufficient will it be required to provide a guarantor. Guarantors generally require joint guarantee. In other words, if the lender is unable to repay the loan, the guarantor must fulfill the guarantee responsibility and repay the principal and interest.

Generally speaking, in addition to the staff of enterprises and institutions, doctors, teachers, middle and senior managers and formal employees of well-known large listed companies and foreign-funded enterprises can also have good credit records, but in the final analysis, the landlord can provide the bank with relevant information about the proposed guarantor, so that the credit personnel can make a preliminary judgment first, and then submit the information and go through the guarantee procedures.

Question 2: Do you need a guarantor for personal housing loans? Whether a personal housing loan needs a guarantor is approved by the bank according to the lender's credit conditions and approval outline. Only when the lender's own conditions are insufficient will it be required to provide a guarantor. Guarantors generally require joint guarantee. In other words, if the lender is unable to repay the loan, the guarantor must fulfill the guarantee responsibility and repay the principal and interest.

For banks, the collateral itself is not an adequate repayment guarantee in the case of the uncertain trend of the real estate market. After all, the bank wants money, not a house.

Generally speaking, doctors, teachers, middle and senior managers and formal employees of well-known large listed companies and foreign-funded enterprises can also have good credit records, but in the final analysis, the landlord can provide the bank with relevant information about the proposed guarantor, so that the credit personnel can make a preliminary judgment first, and then submit the information and go through the guarantee procedures.

Question 3: How many loan guarantors do you need? It depends on the requirements of the bank. Some need one and some need two. Usually one is enough.

Question 4: Do you need a guarantee to buy a house with a loan? Do I need to pay the guarantee fee to the designated third party to borrow money from the bank to buy a house? Why do you have to pay the guarantee fee? Can I refund the money I paid? Quick Easy Loan is here to answer you one by one.

Kuaiyi Loan pointed out that whether through provident fund loans or commercial loans, buyers need to pay this guarantee. Of course, according to different specific circumstances, the amount paid is also different.

According to the borrower's credit record, the general bank needs the borrower to provide a guarantee certificate of a legal person or other economic organization or natural person with sufficient compensation ability. If the borrower can find friends or relatives who are willing to provide guarantees and have financial strength, they can issue written documents and credit certificates for the bank.

If not, you need to go to a professional guarantee company, who will provide guarantee for the borrower. The fee paid at this time is the mortgage guarantee fee. At the same time, different loan time, loan amount and guarantee rate should also consider individual repayment ability.

In fact, all banks will designate corresponding real estate guarantee companies according to their own access conditions to safeguard the legitimate rights and interests of banks and customers.

Details of the guarantee fee paid for the loan to buy a house:

On the one hand, the bank examines the borrower's credit record, on the other hand, it also depends on the borrower's loan method, and decides whether additional guarantee is needed according to the borrower's actual situation. If it is cash, considering the high risk, in this case, the bank will provide additional guarantee, that is, the borrower will pay the guarantee fee to the guarantee institution.

Regarding the question of whether the guarantee fee can be refunded, Kuaiyi Loan understands that if the borrower repays the loan in advance, some guarantee companies can also refund the guarantee fee according to the previous agreement, but not in full, and a certain handling fee is required.

Therefore, it is especially reminded that property buyers who intend to repay the guarantee fee in advance should read the specific terms before signing an agreement with the guarantee company.

In addition, the amount of the guarantee fee varies according to the borrower's personal situation. You can call the relevant business personnel of the guarantee company for details.

Tips: Loan is a form of credit that lends money according to interest rate and repayment terms. Lenders are divided into banks and various credit institutions. The types of loans are personal loans, auto loans, housing loans, provident fund loans, consumer loans and credit loans. 20 13 The latest loan interest rate is specifically positioned as follows: 1. Short-term loans for six months to one year are: 1. 180 days (inclusive) 5.6%; 2. 180 days to 365 days (inclusive) 6%. 2. The medium and long-term loan interest rate for one year to more than five years is: 1. One to three years (inclusive) 6.15%; 2. Three to five years (inclusive) 6.4%; 3. More than five years.

6.55%。 In response to the national call for personal credit reporting, Kuaiyi Loan advises users to abide by the credit reporting requirements and relevant laws, so as not to affect the credit of loans and credit card applications.

For more information about buying a house by loan, please pay attention to Kuaiyi Loan Encyclopedia: house.quickloans/.

Question 5: Bank loans need a guarantor. What does a guarantor do? The bank thinks that your mortgage rate is insufficient or your repayment ability is limited. The bank requires you to provide a guarantee company or guarantor, which means that if you are unable to repay, the bank will recover from the guarantor!

Question 6: What procedures does a personal loan guarantor need? Procedures required for personal loan guarantor:

For personal guarantee, the following information shall be provided:

Original and photocopy of ID card, household registration book and marriage certificate of both husband and wife;

Occupation, income certificate and family property status information of husband and wife (work certificate, bank account, property right certificate, vehicle driving license, etc.). );

Proof of fixed place (real estate license and water, electricity, gas and other documents in the last three months);

Personal bank credit information inquiry system;

Notarization.

For enterprise guarantee, the following information shall be provided:

Original and photocopy of business license, original and photocopy of tax registration certificate (national tax and local tax), organization code certificate, articles of association, ID card of legal representative of the enterprise, loan card (annual inspection) and credit certificate;

Shareholders' consent;

Financial statements: financial statements at the end of last year and the last three months (with audit reports). Including balance sheet, income statement, cash flow statement and bank statement (with bank seal);

Special industries need to provide EIA data (EIA report, pollutant discharge permit).

Question 7: What documents does the loan guarantor need? Husband and wife's ID card, household registration book, marriage certificate, and single person's single certificate.

Proof of income, it is best to provide a copy of the real estate license.

Question 8: Do you need a guarantor for short-term loans?

1. Personal identification, household registration book, proof of residential address and proof of marital status.

2. Personal income certificate or asset status certificate

3. Proof of the property right of the mortgaged house

4. If the applicant takes other people's property as collateral, it is also required to provide the property owner's ID card (including * * *), proof of marital status and written proof of consent to mortgage.

Loan process:

1. The borrower applies and submits relevant materials;

2. Conduct real estate appraisal and pre-loan investigation and approval;

3. Pass the examination and approval and go through the mortgage registration formalities;

4. When granting loans, the borrower shall repay the principal and interest of the loans on a regular basis as agreed in the contract;

5. Settle the loan principal and interest and recover the mortgaged house. Loan amount: 50% of the market value of the house. Time of loan receipt: 1.5-2 months. Channel 2: Financing through the private sector.

1. Any natural person over 18 who owns real estate can do it, and it's no problem if he is older;

2. Ordinary houses, shops, office buildings, affordable houses, price-limited houses and bottom-level merchants can all use them. What's more, if the bank has not paid the final payment, it can also make a second loan;

3. Loan amount: 60-70% of the market value of the property;

4. Information required for application: ID card, household registration book, household registration book and marriage certificate;

5. Loan arrival time: You can get the money as soon as possible on the same day.

Question 9: What are the procedures for bank loans? Do you need a guarantor for bank loans? For college students who want to start a business, there is not enough money to start a business. Everyone thinks of bank loans, but they don't know what the procedures are for bank loans and whether they need guarantors. Questions about netizens will be explained one by one in the article. If I go to the bank for a loan, I can borrow almost 3000 to 5000. What procedures should I go through? Do you want a guarantor? Credit loans are hard to get, so they can only be mortgaged or mortgaged. The procedure is troublesome and the approval process will take a long time. Not much. Loans are not recommended. Find someone to borrow it. I am a college graduate. I haven't found a job yet. I want to start a business. Who can tell me the procedure of getting a loan from the bank? It is normal for college students to start businesses. You have no practical experience, go to the bank for a loan. First of all, you don't have a high reputation, but it's ok to borrow more than tens of thousands. What if you lose money? I still suggest that you can open an online shop in Taobao first and accumulate experience in opening a shop. After all, it is the condensation of a small society, and you will learn a lot. I am also a Taobao agent. You can come to me if you need anything, and I will teach you. After all, starting a business on Taobao doesn't cost much to get a bank loan. Generally, the period for handling personal loans is no longer than 5 years, and the geographical location and fixed number of years of mortgaged real estate must meet the requirements of banks; If the property owner is your father, the signature of the mortgagor needs the signature of your parents. The specific information needed is as follows: loan conditions: 1. The loan can only be made if there is collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral; 2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest; 3. Guarantor; 4. Information required for personal loan: ID card, household registration book, proof of marital status, income certificate, real estate license, ID card, household registration book, proof of marital status and other relevant information required by the bank. 5. Property owner's ID card/household registration book/proof of marital status; You also need to pay the lawyer's witness fee, mortgage registration fee, mortgage property insurance fee and property evaluation fee. It usually takes about 1 month to get a loan. Process: 1. Apply for a loan from the bank. 2. After the acceptance of the bank, evaluate the value of the mortgaged property, and verify the loan amount according to the evaluation value. 3. Sign a loan contract, etc. ; 4. Apply for real estate mortgage registration; 5. Bank Loan _ Bank Loan This procedure, bank loan fees, bank loan procedures, bank housing loan procedures, bank loan procedures.

Question 10: Is it risky to be a guarantor of the lender? The guarantor is at risk. If your friend has no money to pay back, if you don't, your credit in the bank will become very low, and the banks are all connected to the internet, which will have a certain impact on your future loan to buy a house, loan to buy a car or apply for a visa, but 10W is still ok, not too much.

How many guarantors does the bank require for a loan of 200,000 yuan?

The number of people who need a guarantor depends on:

1, the borrower's credit;

2. Guarantor's guarantee ability. Generally, for a loan of 200,000 yuan, a guarantor with strong guarantee ability is enough.

The guarantor is not absolute, but relative. If the credit bank thinks you need to provide a guarantor, you should provide it. The principle is that the more the better, but it should also be combined with the loan variety, because the guarantor can be a legal person as far as possible, and it is not specified that it must be a natural person!

First, how many people do you need to guarantee a bank loan?

Some banks need one or more, and some banks don't need a guarantor for loans. Specific requirements need to consult the specific provisions of the bank. If you choose a mortgage loan, you may not need a guarantor because the assets already used are used as collateral; If it is a credit loan, it is more likely to need a guarantor. At this time, the better the credit and qualification of the guarantor, the greater the amount of guarantee, the lower the risk of bank loan, and the easier the loan is.

Second, do you need a guarantor for personal loans?

Whether the mortgage loan needs additional credit from other guarantors depends on

1, the value of collateral

2. If the bank requires the borrower to provide other guarantors for credit enhancement, the borrower's credit information. We can only cooperate with banks.

Third, how much can a personal loan borrow at a time?

How much you can borrow at a time depends on your credit and income, and you can't be sure how much. An individual or enterprise borrows money from a bank by using its own credit and income certificates, financial certificates and other materials, without a guarantor. However, the bank's audit is strict, and it is difficult to get the ideal loan amount. At this time, you can also consider using other ways to borrow money, which is also unsecured, but the data review is simpler and the approval is faster. Whether a guarantor is needed depends on the situation.

Four, a person can be a guarantor for several people at most.

The number of people is not limited, and the key depends on the credit rating and credit limit of the guarantor. For example, if the guarantor's credit line is 6.5438+10,000 yuan, then the total loan he can guarantee is * * 6.5438+10,000 yuan, 6.5438+10,000 yuan for one person, 50,000 yuan for two people and 20,000 yuan for five people. As long as the total guarantee amount does not exceed 6.5438+10,000 yuan, of course, if he guarantees loans for others, his credit balance will be reduced. Of course, this is only theoretical. In practice, banks may allow excessive guarantee or reduce the amount of guarantee according to the specific credit situation.

So to sum up, a bank loan does not require several guarantors. Mainly depends on their own conditions and the amount of the guarantor's guarantee, and then depends on whether the bank needs a guarantor. If you need a guarantor, there is no fixed requirement for the number. The better the qualification, the fewer people need to be guaranteed, and the greater the amount that can be guaranteed. Generally speaking, it depends on the relevant regulations of the bank.

How many people does the bank loan guarantee need?

At present, there is still no limit on the number of loan guarantors in China. It can be one or more. This mainly depends on the mutual consultation between borrowers and lending institutions and the actual situation. Sometimes, in order to reduce risks, banks will require borrowers to provide more than two lenders.

Interim Measures for the Administration of Personal Loans

Article 26 The lender shall standardize the guarantee process and operation in accordance with the relevant provisions of People's Republic of China (PRC) Property Law, People's Republic of China (PRC) Guarantee Law and other laws and regulations.

The Lender shall participate in the mortgage registration according to this Contract. If the lender entrusts a third party to handle the matter, it shall verify the registration of the collateral.

For personal loans secured by way of guarantee, the lender shall have at least two credit personnel to fill in. Generally speaking, there is no clear stipulation that applying for a loan must be guaranteed by a guarantor. The reason why the borrower is required to provide guarantee is mostly because the borrower's qualification is not good enough, and the lending institution only asks the borrower to provide guarantee when it feels that there is risk. If the borrower's income is stable and his personal credit is good, it is easier to apply for a loan.

Of course, in addition to the guarantor, the borrower can also apply for a loan if he can provide relevant collateral, such as real estate and cars. In the case of goods guarantee, the borrower is likely to apply for a loan even if his personal qualifications are average. However, different lending institutions have different regulations, and the specific circumstances require borrowers to implement them in accordance with the regulations of relevant institutions.

Therefore, whether to provide a guarantor for bank loans depends on the personal qualifications of the borrower. Conditions for applying for loan business:1natural person aged 8 to 65; The actual age of the borrower and the loan application period should not exceed 70 years old; Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule; Good credit information, no bad records, and legal use of the loan; Other conditions stipulated by the bank. . A few years ago, there were special funds for cultural innovation and development.

What is the difference between the first, second and third guarantors of bank-guaranteed loans?

Guarantors are divided into general guarantee and joint guarantee. Different ways of protection will lead to different responsibilities:

1, general guarantee

If the parties agree in the suretyship contract that the surety shall bear the suretyship liability when the debtor fails to perform the debt, it is a general suretyship. The guarantor shall bear the share responsibility internally.

The guarantor of a general guarantee may refuse to undertake the guarantee liability to the creditor before the main contract has been tried or arbitrated and the debtor's property has been enforced according to law. Under any of the following circumstances, the guarantor shall not exercise the rights specified in the preceding paragraph:

(a) the debtor's domicile has changed, and the creditor has great difficulty in asking him to perform his debts;

(2) The people's court accepts the bankruptcy case of the debtor and suspends the execution procedure;

(3) The guarantor waives the rights stipulated in the preceding paragraph in writing.

2. Joint and several liability guarantee

If the parties agree in the guarantee contract that the guarantor and the debtor shall be jointly and severally liable for the debt, it is a joint liability guarantee. The guarantor shall be jointly and severally liable internally.

If the debtor of joint and several liability guarantee fails to perform the debt at the expiration of the debt performance period agreed in the main contract, the creditor may require the debtor to perform the debt, or may require the guarantor to assume the guarantee liability within the scope of its guarantee. If the parties have not agreed on the way of guarantee or the agreement is unclear, they shall bear the guarantee liability according to the joint and several liability guarantee.

Article 23 of the Guarantee Law of People's Republic of China (PRC): During the guarantee period, if the creditor allows the debtor to transfer the debt, it shall obtain the written consent of the guarantor, and the guarantor shall no longer assume the guarantee responsibility for the debt transferred without his consent.

Article 24 Where the creditor and the debtor agree to change the main contract, they shall obtain the written consent of the guarantor. Without the written consent of the guarantor, the guarantor will no longer bear the guarantee responsibility. If there are other provisions in the guarantee contract, such provisions shall prevail.

Article 25 If the guarantor of a general guarantee and the creditor have not agreed on a guarantee period, the guarantee period shall be six months from the date when the performance period of the principal debt expires. If the creditor fails to bring a lawsuit against the debtor or apply for arbitration during the guarantee period stipulated in the contract and the guarantee period stipulated in the preceding paragraph, the guarantor shall be exempted from the guarantee liability;

If the creditor has filed a lawsuit or applied for arbitration, the provisions on interruption of limitation of action shall apply during the guarantee period.

Article 26 If the guarantor of joint and several liability guarantee and the creditor have not agreed on the guarantee period, the creditor has the right to require the guarantor to assume the guarantee responsibility within six months from the expiration of the independent debt performance period. If the creditor fails to require the guarantor to assume the guarantee responsibility during the guarantee period agreed in the contract and the guarantee period stipulated in the preceding paragraph, the guarantor shall be exempted from the guarantee responsibility.

Article 30 A guarantor shall not bear civil liability under any of the following circumstances: (1) The parties to the main contract collude to defraud the guarantor of providing a guarantee; (two) the creditor of the main contract uses fraud, coercion and other means to make the guarantor provide a guarantee against the true meaning.

Extended data

The loan guarantor shall bear the risk of repaying the loan and interest on behalf of the borrower. The guarantee responsibility is assumed in the following ways:

1. If the guarantor provides collateral, when the debtor fails to pay off the loan, the creditor may apply for auction of the collateral provided by the guarantor, and the realized value of the collateral will be paid first.

2. If the guarantor provides a guarantee, when the debtor fails to repay the loan, the guarantor has the responsibility to pay off the creditor on his behalf. In this case, the guarantor shall bear the guarantee responsibility with all the property.

3. The scope of the guarantor's liability includes the principal creditor's rights and interest, liquidated damages, damages and expenses for realizing the creditor's rights. Unless otherwise agreed in the guarantee contract, it shall be determined in accordance with the agreement.