Whether the guarantor is husband and wife has nothing to do with the amount. At present, in our bank, as long as you want to borrow money but have no collateral, you must need two guarantors. The guarantor can be a husband and wife or two unrelated people.
Second, does the loan need to be signed by both husband and wife?
Whether a bank loan needs to be signed by both husband and wife depends on who the borrower is. If it is both husband and wife, then both husband and wife must sign; If it's just one of them, it's not necessary. ; 1. Loan (electronic receipt credit loan) is simply understood as borrowing money with interest. 2. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out in the form of loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. 3. As a leading consumer credit information service enterprise in China, Lirong.com is the only enterprise in China that has launched the MBA student loan project. The bridge loan provided by Lirong.com to MBA freshmen can help students solve the tuition problem easily. MBA freshmen can apply for low-interest student loans ranging from10-200,000 yuan with the admission notice. If the monthly interest rate is even as low as 0.7%, it is lower than the bank credit card installment. After entering school with the student loan provided by Li Rong. Com, MBA students can apply to the school for a national student loan with a low interest rate, and then use the national low-interest loan to repay the tuition bridge funds in one lump sum. In this way, as long as the borrower indicates the interest after service when applying, he can apply for a student loan in this form before entering school. The best application period is six months. Generally, the national student loan applied for in September will not be approved until February of the following year. In this way, MBA freshmen don't have to worry about the high tuition fees at one time, and they can easily complete their studies through student loans. 4. Loan amount: After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge amount, mortgage amount, guarantee amount or credit amount of the borrower. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating.
Third, the couple divorced. The husband borrows money from the bank and the wife signs it, but it is not used for living together. Should the wife return it?
Need to be returned.
During the period of borrowing from the bank, because the relationship is still husband and wife, and it is also signed by * * *, the debts owed during this period are jointly repaid by both husband and wife. If the bank can't find a husband, then these debts will still be paid by the wife. If you want a divorce, the debt will be shared equally.
After divorce, the property belongs to one party, and the bank does not agree to cancel the loan relationship of the other party. According to the loan relationship stipulated in the loan contract, the bank can claim compensation from both husband and wife.
If neither party can repay the bank loan, the bank can auction the mortgaged house to pay off the loan. In case of divorce, after the party who has not obtained the house repays the house loan to the bank on behalf of the other party, the compensatory party may claim compensation from the other party.
Extended data:
Article 41 of the Marriage Law of the People's Republic of China stipulates: "At the time of divorce, the debts originally incurred by the husband and wife living together shall be paid off jointly. * * * If the same property is not paid off, or the property belongs to each other, it shall be paid off by mutual agreement;
If the agreement fails, it is up to the people to decide. "In the way of responsibility, the husband and wife's responsibility of" * * * repayment "is joint repayment responsibility. Regardless of whether the two parties are divorced or not, they should pay off their debts with their husband and wife's property and all their own property.
Creditors have the right to require one or both spouses to repay part or all of their debts, regardless of their share or priority. Either spouse shall bear all or part of the debts according to the requirements of the creditors. When one spouse's property is insufficient to pay off, the other spouse is liable to pay off.