5 general examples of personal loan guarantees
Everyone must know about guarantees, which are legal measures taken to guarantee the realization of creditor's rights. Judging from the content of our country's guarantee law, debt guarantee should be said to be based on certain property of the party concerned. The following is a general sample of personal loan guarantee letter that I compiled, hoping it can be provided for everyone's reference and reference.
General sample of personal loan guarantee letter (Part 1)
Intermediary company:
According to (the borrower's) application, the borrower agrees to provide the borrower with a loan (upper case) __________ yuan (lower case) __________ yuan. This guarantor agrees to guarantee this loan. This letter of guarantee is hereby issued to guarantee the following items to the representative of the intermediary company:
1. This letter of guarantee is an unconditional and irrevocable letter of guarantee. The principal amount of the guaranteed loan is (in capital letters) _______________ Yuan, which shall be jointly and severally borne. Interest and fees incurred under the loan.
2. This letter of guarantee guarantees the return of all or part of the due loan principal and interest that the borrower fails to repay on time under the loan contract, and agrees to repay the borrower's debt within fourteen days after receiving a written notice from the intermediary company. The principal and interest owed on the loan (including liquidated damages). If I am unable to fulfill the above guarantee responsibilities, I will accept your company's entrustment by my company's account opening bank to deduct all the loan principal and interest from my company's account. If there is insufficient deposit in the account, my company will continue to be responsible for repaying the loan principal, interest and fees payable by the borrower.
3. This letter of guarantee will continue to be valid when the borrower agrees to the borrower’s deferment of repayment.
4. This letter of guarantee is a guarantee of continuous guarantee and compensation. It will not be affected by any instructions the borrower accepts from superior units or any agreements or documents signed by the borrower and any unit, nor will it be affected by whether the borrower is bankrupt, unable to repay the loan, loses corporate qualifications, changes the articles of association, or closes, suspends, merges, or There will be no changes due to various changes.
5. The guarantor has sufficient property to repay the loan as a guarantee and guarantees the performance of the obligations stipulated in this guarantee letter.
6. This guarantee will take effect from the date of issuance and will automatically expire when all the loan principal, interest and fees owed by the borrower are repaid.
Guarantor’s signature: (fingerprint)
Guarantor’s ID number:
Guarantor’s workplace:
Guarantor’s current address:
Guarantor’s ID card address:
Guarantor’s bank account number:
Guarantee signing date: Year, month and day General sample of personal loan guarantee letter (Part 2)
Party A (loan): ___________
Party B (borrower): ___________
Party C (guarantor): ___________
Party B is the producer For operating working capital, Party A borrows money from Party A. Party A agrees to issue the loan to Party B. Party C provides guarantee for Party B’s loan. Now Party A, Party B and Party C shall comply with relevant laws and regulations such as the Contract Law and the Guarantee Law. , on the basis of voluntary equality and consensus through consultation, the following agreement is reached on borrowing and guarantee matters, and the three parties must abide by it:
1. Purpose of the loan
Items of this contract The borrowings below must be used legally.
2. Loan Amount
Party B borrows from Party A RMB___________(capital) yuan.
3. Loan period
The loan period is from ___________year___________month___________day to ___________year___________month___________day, total** *is___________ month.
4. Borrowing interest rate
This contract implements a fixed borrowing interest rate, which is a monthly interest rate___________‰. It remains unchanged during the loan period.
5. Loan release method
Within 3 days of signing this agreement, Party A will deliver the loan to Party B in cash, and Party B will issue a cash receipt to Party A at the same time.
6. Repayment method
The repayment method of this loan is cash repayment.
Seven days before the expiration of the loan period, Party A notifies Party B. Party B shall raise funds to prepare for repayment after receiving the notice.
Before the expiration of the loan period, Party B will repay the loan principal to Party A in the agreed manner. Party A will issue a receipt to Party B, and Party B will keep the repayment receipt.
7. Guarantee Terms
(1) This loan is ___________ and ___________ is used as the mortgage collateral for this loan. Both parties agree that the above collateral will not be subject to mortgage registration. , the collateral is not transferred and is still used by the borrower. If the loan cannot be repaid to the lender when it is due, the lender has the right to deal with the collateral. If the borrower repays the loan in full when due, the mortgage rights will be terminated.
(2) This loan is provided with an irrevocable joint liability guarantee by ___________. After the guarantor performs the joint liability guarantee, it has the right to recover from the borrower, and the borrower is obliged to repay the guarantor.
(3) The scope of the guarantee includes the principal of the loan under this contract, interest, penalty interest, compound interest, liquidated damages, damages, and shall be determined by the borrower and the guarantee in accordance with the relevant provisions of the Civil Procedure Law. Interest and fees for delayed performance of the debt borne by the person, as well as all costs incurred by the lender in realizing the creditor's rights.
(4) If the creditor's rights guaranteed by this contract are accompanied by physical guarantees (including those provided by the debtor or a third party) and guarantees, the creditor may realize the creditor's rights based on the physical guarantees or require the guarantor to bear the guarantee. responsibility.
(5) The guarantee period is two years after the expiration of the contract performance period.
8. Rights and Obligations of the Borrower
(1) Truthfully provide relevant certificates, certificates and other materials, and accept the supervision and inspection of the lender;
(2) Ensure that the loan will not be used for illegal activities;
(3) Obtain the loan principal in accordance with the provisions of this contract and repay the loan principal and interest on time.
9. Rights and Obligations of the Lender
(1) Ensure that the source of funds is legal;
(2) Pay the loan to the borrower on the date of signing this contract ;
(3) The right to collect the principal and interest of the loan in accordance with the provisions of this contract, and the right to exercise the right of recourse for security in accordance with the agreement.
10. Liability for breach of contract
(1) After signing this contract, Party A will deliver the cash to Party B, and Party B will issue an IOU to Party A. Party B must use the borrowed money in accordance with the purposes agreed in the contract. , shall not be used for other purposes, and shall not be used to carry out illegal activities. If Party B does not use the loan for the purpose stipulated in the contract, Party A has the right to recover part or all of the loan.
(2) Party B must repay the loan within the time limit stipulated in the contract. If the repayment is overdue, in addition to paying interest at the interest rate stipulated in the contract, Party A will also pay liquidated damages equal to ______ of the total loan amount for each overdue day until the loan is repaid.
(3) If Party B fails to repay the loan within the time limit stipulated in the contract, Party A has the right to recover the loan from Party B and the expenses incurred to realize the creditor's rights during the recovery period (lawyer fees, work delay costs, transportation expenses, etc. expenses) shall be borne by Party B, and Party C shall be jointly and severally liable for the expenses incurred.
11. Dispute Resolution
Disputes arising during the performance of this contract shall be resolved through negotiation between the parties to the contract, or may be mediated by a third party. If negotiation or mediation fails, the case may be brought to the People's Court in accordance with the law.
12. Other Terms
This Agreement will take effect from the date when both parties sign and Party A delivers the loan to Party B. No Party B may change this Agreement without the permission of the other party.
This Agreement is made in duplicate, with each of the three parties holding one copy.
Lender: (Signature) _____________ Borrower: (Signature) _____________ Guarantor: (Signature) _____________
_________year_______month________day_______ _Year________month________day________year________month________day General sample text for personal loan guarantee (Part 3)
Party A: ______________ Co., Ltd.
Domicile: ____________________
Legal representative: ____________________
Party B: __________________ Company
Domicile: ____________________
Legal representative Person: ____________________
In view of: Party A is a joint-stock company, Party B is a private enterprise, Party A, Party B and ____________________ Bank (hereinafter referred to as "A Bank") entered into the ____ year___ A "RMB Guaranteed Loan Contract" was signed on ____ (Contract No.: [_____]____ Loan No. ____). According to the contract, Party A provides guarantee for Party B's loan to Bank A in accordance with the contract. When Party B fails to perform its repayment obligations at the expiration of the repayment period, Bank A has the right to directly require the guarantor, Party A, to pay off the debt. After Party A assumes the above guarantee liability, it obtains the right of subrogation and can recover the above debts from Party B. In order to ensure the realization of the above-mentioned subrogation rights, Party A now specifically requires Party B to provide it with a counter guarantee.
After friendly negotiation, Party A and Party B reached an agreement on the above-mentioned counter-guarantee-related matters and signed the contract as follows:
Article 1 Guaranteed Claims
The creditor's rights guaranteed by this contract are Party A's obligations to Party B arising from Party A's performance of guarantee obligations to Bank A in respect of the loan principal and interest, liquidated damages, damages, penalty interest, and expenses for realizing creditor's rights stipulated in the above-mentioned "RMB Guaranteed Loan Contract". Debt.
Article 2 Form of Guarantee
Party B provides guarantee to Party A in the form of mortgage according to this contract.
Article 3 Debt Performance Period
Party B shall repay Party A to Party A within ____ days after Party A performs its guarantee obligations to Bank A in accordance with the above-mentioned "RMB Guaranteed Loan Contract". All payments made by Party A to fulfill the above guarantee obligations.
Article 4 Mortgage Property
Party B provides Party A with the following property as mortgage (omitted)
Article 5 Guarantee
Party B Party B guarantees the following matters to Party A:
1. Party B’s above-mentioned mortgaged property is property allowed to be mortgaged in accordance with the "Security Law", and the ownership and use rights of the above-mentioned property are legal and valid;
2. Party B has not set up any form of guarantee on the above-mentioned mortgaged property for any debt other than the debts under this contract;
3. All documents provided by Party B on the above-mentioned mortgaged property, The statements and statements are true and complete.
Article 6 Scope of Guarantee
The scope of the mortgage guarantee provided by Party B to Party A includes all the amounts paid by Party A to fulfill the guarantee obligations under the above-mentioned "RMB Guaranteed Loan Contract" , including loan principal, interest (including compound interest), penalty interest, liquidated damages, damages and expenses for realizing creditor's rights.
Article 7 Mortgage Registration
Party B is responsible for handling the mortgage registration under this contract with the relevant departments; if this contract cannot take effect because Party B fails to handle the mortgage registration promptly and effectively, then All responsibilities shall be borne by Party B.
Article 8 Rights and Obligations of Party A
1. As a creditor and mortgagee, Party A enjoys the following rights:
(1) In Party A shall exercise the right of subrogation against Party B after fulfilling its guarantee obligations in accordance with the above-mentioned "RMB Guaranteed Loan Contract";
(2) If Party A has not been repaid at the expiration of the debt performance period under this contract, Party A shall You can exercise the right of mortgage to Party B, that is, negotiate with Party B to use the above-mentioned mortgaged property as a discount or to receive priority repayment with the price obtained from the auction or sale of the above-mentioned mortgaged property; if the agreement fails, Party A can file a lawsuit with the People's Court;
(3) If the mortgage right under this contract is extinguished due to the loss of the above-mentioned mortgage property, Party A has the right to use the compensation received by Party B as the mortgaged property to exercise the mortgage right;
(4) Items in this contract At the expiration of the debt performance period, if Party B fails to perform its debts and the collateral is seized by the people's court, Party A has the right to collect the natural interest and statutory interest separated from the collateral from the date of seizure;
(5 ) Party A has the right to investigate and understand the actual status and use of the mortgaged property under this contract, and require Party B to provide corresponding documents, statements and make relevant statements;
(6) Party A has Party A has the right to refuse Party B to set up any form of security for any debt other than the debts under this contract with respect to the collateral under this contract; Party A has the right to refuse Party B to transfer the collateral under this contract during the mortgage period;
(7) When Party B transfers the collateral with the consent of Party A, if the price of the transferred collateral is significantly lower than its value, Party A has the right to require Party B to provide corresponding guarantees or require Party B to transfer the collateral The proceeds will pay off the debt in advance;
(8) If Party A discovers that Party B’s behavior is enough to reduce the value of the collateral under this contract, Party A has the right to require Party B to stop the above behavior; when the value of the collateral decreases , Party A has the right to require Party B to restore the value of the collateral, or provide a guarantee equivalent to the reduced value of the collateral;
(9) Party A has the right to transfer the claims under this contract without obtaining Party B's Agree, but Party B should be notified in accordance with the law.
2. As a creditor and mortgagee, Party A shall perform the following obligations:
(1) When Party B performs its repayment obligations in accordance with this contract, Party A shall comply with the contract Accept Party B's performance of the above debts;
(2) Party A shall not exercise mortgage rights against Party B after Party B fulfills its repayment obligations;
(3) Party A agrees in this contract If the mortgage is exercised against Party B, the portion of the price after the discount, auction, or sale of the mortgaged property exceeds the amount of the creditor's rights shall be returned to Party B;
(4) Party A shall strictly keep the information disclosed when investigating Party B in accordance with this contract. Party B’s business secrets learned;
(5) Party A shall not separate the mortgage rights from the claims under this contract and transfer the mortgage rights separately or use them as security for other claims.
Article 9 Rights and Obligations of Party B
1. Party B, as the debtor and mortgagor, enjoys the following rights:
(1) Party A shall in accordance with this contract It is agreed that after exercising the mortgage right, Party B has the right to demand the return of the price exceeding the amount of the creditor's rights after the discount, auction or sale of the mortgaged property;
(2) Party B may, after obtaining the consent of Party A and informing the assignee, Transfer the mortgage;
2. Party B, as the debtor and mortgagor, shall bear the following obligations:
(1) Party B shall ensure that it has ownership and The right of use is legal and valid, and the mortgaged property provided by it is not prohibited from being used as collateral by the "Security Law";
(2) Party B shall not, without the consent of Party A, The collateral under this contract shall be used to set up any form of guarantee for any debt other than the debts under this contract;
(3) Party B shall not make any payment without the consent of Party A or without notifying the assignee. Under the circumstances, transfer the property mortgaged under this contract;
(4) If Party B’s behavior is enough to reduce the value of the mortgaged property under this contract, Party B shall immediately stop the above behavior; when the value of the mortgaged property is reduced , Party B shall notify Party A in a timely manner and shall restore the value of the collateral as required by Party A, or provide a guarantee equivalent to the reduced value of the collateral;
(5) Party B shall not obstruct Party A for any reason. This contract stipulates that Party B conduct a good faith investigation and understanding of the actual status and use of Party B's mortgaged property, and that all expenses incurred by Party A due to Party B's above-mentioned obstructive behavior shall be borne by Party B;
(6) Party B Relevant registration procedures should be completed in a timely manner in accordance with this contract.
Article 10 Liability for Breach of Contract
Party B shall be deemed to have breached the contract when one of the following events occurs:
1. Party B fails to pay its debts when due under this contract. Perform repayment obligations as stipulated in this contract;
2. Party B fails to perform or comply with any obligation or provision in this contract;
3. Party B submits to Party A its Any documents, statements and statements related to the mortgaged property prove to be untrue, inaccurate, incomplete or deliberately misleading in any aspect that Party A considers to be important;
4. Party B terminates the repayment of its 5. Due to Party B's fault, this mortgage contract has no legal effect, has been canceled, terminated or cannot be enforced.
After the above-mentioned breach of contract occurs, Party A has the right to terminate this contract and require Party B to immediately perform its obligations under this contract; in addition to performing the debt in accordance with the contract, Party A shall also Contract" shall pay Party A a daily liquidated damages equivalent to ____% of the amount of the above-mentioned debt subject from the date of performance of the guarantee obligation; if any loss is caused to Party A, the loss shall be compensated.
If Party A violates the provisions of this contract, in addition to continuing to perform the obligation in accordance with the provisions of this contract, it shall also pay to the other party a liquidated damages equal to ____% of the amount of the debt subject under this contract; by If this causes losses to the other party, the party shall compensate for the losses.
Article 11 Validity
This contract shall take effect from the date of signature and seal of Party A and Party B; the invalidity or invalidity of the above-mentioned "RMB Guaranteed Loan Contract" shall not affect the validity of this contract. Effectiveness, the mortgage under this contract extends to Party B's legal liability after the above-mentioned "RMB Guaranteed Loan Contract" is invalid or invalid; all obligations of Party B under this contract have continuity, and shall not be affected by its receivers, assignees and The entity after its merger, reorganization, or name change shall be fully binding; if certain provisions or parts of certain provisions of this contract are invalid now or in the future, such invalid provisions or parts shall not affect this contract and The validity of other provisions of this contract or other contents of this provision.
Article 12 Other Matters
1. Matters not covered in this contract shall be resolved by separate negotiations between Party A and Party B.
2. This contract is made in two copies. Party A and Party B each hold one copy, which has the same legal effect.
Party A: (Seal) __________________
Legal Representative: (Signature) _____________
_________year________month________day
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Party B: (Seal)____________
Legal Representative: (Signature)____________
Personal Loan Guarantee Form of _________year________month________day General Sample Essay (Part 4)
Lender: ________
Borrower: __________
Guarantor: __________
The borrower is _ ______ project operating activities________, applied for a loan from the lender, and asked ___________ as the guarantor. The lender has reviewed and, in accordance with the relevant provisions of the Contract Law, reached an agreement after negotiation among the three parties, and concluded this contract in order to ***Comply with each other.
Article 1 Loan Type___________.
Article 2 The purpose of borrowing is to operate activities such as ___________.
Article 3 The loan amount is __________, RMB (in capital letters) _____________.
Article 4 Borrowing interest rate The borrowing interest rate is _____%/year.
Article 5 Borrowing Methods and Borrowing Term
1. The borrowing period is ***___ years, starting from ____ month__ day of ____ year to ___ Ending on ____month__day_year.
2. Borrowing method_______________.
Article 6 Repayment time, source of funds and repayment method
1. The repayment time is ____year____month____day.
2. Source of repayment funds: ____________________.
3. Repayment method ____________________.
Article 7 Guarantee Clauses
1. The borrower must use the loan in accordance with the purposes specified in the loan contract and shall not misappropriate it for other purposes or use the loan to conduct illegal activities.
2. The borrower must repay the principal and interest within the time limit stipulated in the contract.
3. The borrower is obliged to accept the lender's inspection, supervise the use of the loan, and understand the borrower's plan execution, business management, financial activities, material inventory, etc. The borrower shall provide relevant plans, statistics, financial accounting statements and information.
4. The guarantor bears joint and several liability for the guarantee. After the guarantor performs its joint and several liability, it has the right to recover from the borrower, and the borrower is obliged to repay the guarantor.
5. The borrower uses ________ as a mortgage guarantee. If the loan cannot be returned to the lender when it expires, the lender has the right to dispose of the collateral. If the borrower repays the loan in full when due, the collateral will be returned to the borrower by the lender.
6. If the company closes or goes bankrupt due to poor management and management, and is indeed unable to perform the contract, when disposing of the property, in addition to using it for personnel wages and necessary maintenance expenses in accordance with national regulations, priority should be given to repaying the loan. When the superior authority decides to close, suspend, merge, transfer or cancel the project construction, or when the contract cannot be performed due to force majeure accidents, the contract can be changed or terminated upon application to the lender, and the contract will be exempted from liability for breach of contract.
Article 8 Liability for breach of contract
1. Liability for breach of contract by the borrower
1. If the borrower does not use the loan for the purpose specified in the contract, the lender has the right to If part or all of the loan is recovered, penalty interest will be charged on the portion used in default according to the interest rate stipulated by law.
2. If the borrower fails to repay the loan overdue, the lender has the right to recover the loan and charge penalty interest according to the interest rate specified by law. If the borrower repays the loan in advance, the interest shall be reduced in accordance with regulations.
3. If the borrower uses the loan to cause losses and waste or uses the loan contract to engage in illegal activities, the lender should recover the principal and interest of the loan, and the relevant units should hold those directly responsible for administrative and economic responsibility. If the circumstances are serious, criminal liability shall be investigated by the judicial organs.
2. Lender’s liability for breach of contract
1. If the lender fails to provide the loan on time, it shall pay liquidated damages to the borrower based on the default amount and the number of days of extension. The calculation of the amount of liquidated damages should be the same as the calculation of the penalty interest charged to the borrower.
2. If the lender's responsibility causes losses to the borrower or uses the loan contract to engage in illegal activities, administrative and economic responsibilities should be pursued. If the circumstances are serious, criminal responsibility should be investigated by the judicial authorities.
Article 9 Ways to resolve contract disputes:
Any dispute arising from the execution of this contract shall be resolved through negotiation between the parties. If negotiation fails, both parties may file a lawsuit with the People's Court to resolve the dispute.
Article 10 Others
This contract shall not be modified or terminated by any party without authorization unless the contract is modified or terminated due to circumstances permitted by the Contract Law. When one party is required to change or terminate this loan contract in accordance with the Contract Law, it shall promptly notify the other parties in writing and reach a written agreement. After this contract is modified or terminated, the borrowings occupied by the borrower and the interest payable shall still be repaid in accordance with the provisions of this contract.
If there are any matters not covered in this contract, supplementary provisions must be made through mutual negotiation between all parties to the contract. The supplementary provisions shall have the same effect as this contract.
This contract shall come into effect after being signed and sealed by the three parties. The original contract shall be made in triplicate, with the lender, borrower and guarantor each holding one copy; the contract shall be made in six copies__, which shall be notarized or authenticated. Send it to the notary or authentication agency and keep a copy each__.
Lender: ________(official seal) Borrower: ________(official seal) Guarantor: ________(official seal)
Representative: ________(official seal) Representative: ________(official seal) ) Representative: ________(seal)
Address: ________ Address: ________ Address: ________
Telephone number: ________ Telephone number: ________ Telephone number: ________
Bank account: ________ Bank account: ________ Bank account: ________
Date of signing: ________
Place of signing: ________ General sample of personal loan guarantee (Part 5)
Lender: _______________
Borrower: _______________
Guarantor: _______________
After full negotiation between the lender, borrower and guarantor, according to relevant When signing this contract, we agree to abide by the laws and regulations.
Article 1. The lender agrees to grant the following loans to the borrower:
(1) Type of loan ________; purpose of borrowing ________.
(2) Loan amount ________ (currency and amount in capital letters).
(3) Loan term: from _________year________month________ to _________year________month________day. The repayment method is installment, and the specific repayment plan is as follows:
First installment: _______year_______month_______day repayment_______yuan;
The second installment: _______year_______month_______day, repayment_______yuan;
The third installment: _______year_______month_______day, repayment_______yuan ;
The fourth installment: _______year_______month_______day, repayment_______yuan;
The fifth installment:_______year_______month______ _Daily repayment_______yuan.
(4) The interest rate is _________% per month, and interest is paid based on ________ (if the national interest rate is adjusted or the borrower fails to pay interest to the lender on time, it shall be handled in accordance with the relevant regulations of the People's Bank of China ).
Article 2. The guarantor and the borrower shall bear joint and several liability for the debt.
Article 3. Guarantor’s guarantee period: _________year________month________ to _________year________month________day.
Article 4. The guarantor’s guarantee scope includes the main claim, interest, liquidated damages and the lender’s costs for realizing the claim.
Article 5. The borrower shall repay the principal and interest of the loan according to the time limit established in the contract. Overdue loans accrue interest at a daily interest rate of ________ during the overdue period. If you need to defer repayment, the borrower must submit an extension application to the lender 15 days before the loan expires, and sign a deferred repayment agreement with the lender's consent. After the extension agreement is signed, the guarantor voluntarily continues to assume the guarantee responsibility.
Article 6. The borrower shall use the loan according to the purpose specified in the contract, and interest on the misappropriated loan shall be calculated at the daily interest rate ________ during the period of misappropriation.
Article 7. The borrower promises:
(1) Provide the lender with the true balance sheet, profit and loss statement and all account opening banks, account numbers, deposit balances and other information.
(2) Accept the lender’s supervision on its use of credit funds and related production operations and financial activities.
(3) Use the loan for the purpose specified in the contract and repay the principal and interest of the loan on schedule.
(4) If the company's assets are used to guarantee the debts of others, the lender must be notified in advance and shall not affect the lender's recovery of the loan when it is due.
(5) When the legal representative of the borrower changes, changes his residence or business location, or reduces the registered capital, the lender should be notified in advance.
(6) When the borrower changes its business management methods or property rights organization form due to contracting, leasing, joint operation, joint-stock reform, division, merger (merger), external investment or other reasons, it shall notify the borrower in advance. Lenders and implement debt and repayment measures.
If the borrower violates any of the provisions of this article, the lender has the right to call back the loan in advance, stop issuing unused loans to the borrower, or take other credit sanctions.
Article 8. One month after the loan expires, if the borrower fails to repay the principal and interest on time, the guarantee unit (or guarantor) will be responsible for repaying the principal, interest and overdue penalty interest for the borrower.
Article 9. If the lender recovers or recovers the loan principal and interest in advance in accordance with this contract, it can directly deduct it from the borrower's account, and can ask other financial institutions to deduct it on its behalf when necessary.
Article 10, Supplementary Provisions:
1. This contract is in _________ copies, with the borrower, lender and guarantor each holding _________ copies.
2. This contract shall take effect from the date of signature by all parties.
3. Any disputes arising from this contract shall be under the jurisdiction of the people's court where the lender is located.
Lender: _______________ Borrower: _______________ Guarantor: _______________
_____year______month______day _____year______month______day ______year______month______day