1. Signature of the bank loan guarantor

If the loan guarantor needs to sign, only by signing is he agreeing to bear the corresponding responsibilities. If you don't sign, you won't be able to enter into a guarantee contract with the lender, and you won't be able to prove the guarantor's facts, which will not be recognized by law, and the guarantor will have no guarantee liability. If the guarantor is a company, it must be signed by the legal representative or stamped with the official seal of the company.

2. What kind of guarantee is the signature and fingerprint of the guarantor of the IOU?

The guarantor has signed and fingerprinted the IOU, indicating that he guarantees the borrower's repayment when it is due, and the guarantor bears the responsibility of repaying the debt when the debtor fails to repay.

An IOU or IOU with a guarantor is more beneficial for the creditor to recover the debt, because the guarantor is responsible for repaying the money owed or borrowed by the person who borrowed or owed money. Therefore, after the guarantor signs the IOU or IOU, the guarantor is legally responsible.

3. If the bank loan guarantor does not sign, does it count as a guarantee?

Legal analysis: The bank loan guarantee bears the guarantee liability. The premise of guarantee is that I need to agree to the content of the guarantee agreement. If the guarantee agreement is signed without my signature or without my authorization, the guarantee agreement will be invalid for me, and I will not need to bear legal responsibility.

Legal basis: Article 171 of the "People's Republic of China and Civil Code" If the actor does not have the right of agency, exceeds the right of agency, or after the right of agency is terminated, the person who has ratified the agency shall be liable to the principal. If the person fails to sue the principal, it shall be ratified within thirty days from the date of receipt of the notice. If the principal fails to make an expression, it will be deemed as a refusal to ratify the contract, and the bona fide counterparty has the right to revoke it. Revocation shall be based on notification. If the act has not been ratified, the actor shall be required to perform the debt or compensate for the damage suffered. However, the benefits that the counterparty can obtain when ratified by the agent. If the counterparty is aware of the agency, the counterparty and the actor shall bear liability according to their respective faults.

4. Does the guarantor of a bank loan have to sign and stamp his/her fingerprint? Is it valid to sign only?

The guarantor of a bank loan must sign and stamp his/her fingerprint, but a signature alone is invalid.

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