There are only two situations in which the guarantee can be released:

First, after the guarantee period, if there is no guarantee period, the law stipulates that it is within six months after the creditor's rights expire.

The second is to transfer debts. Where the debtor transfers its debts to a third party, it shall obtain the consent of the guarantor. If the guarantor does not agree to continue the guarantee, he shall not bear the guarantee responsibility.

According to the Guarantee Law, both parties to a loan contract must obtain the written consent of the guarantor if they want to change the contents of the loan contract, otherwise they will be exempted from the guarantee liability. Changing the purpose of the loan is a major change to the contract and should obtain the written consent of the guarantor.

Second, how to cancel the bank loan guarantee

Generally speaking, after the borrower pays off the loan, the loan guarantor has no guarantee responsibility. If the loan guarantor wants to cancel the guarantee, it depends on the relevant regulations of the guarantor, the borrower and the lending institution when signing the loan contract. Generally speaking, during the guarantee period stipulated in the contract, there is a joint relationship between the guarantor and the borrower. If the guarantee period stipulated in the loan contract expires, the guarantee relationship will be automatically dissolved after the expiration. In addition, in the process of executing the guarantee, the lender and the guaranteed party need to agree to cancel the guarantee, so as to cancel the guarantee relationship in the process of executing the guarantee.

Third, how to cancel the bank loan guarantee

Generally speaking, after the borrower pays off the loan, there is no guarantee for the loan guarantor. If you want to cancel the guarantee, it depends on the guarantor, the borrower and the loan machine. Generally speaking, within the guarantee period stipulated in the contract, the joint relationship between the guarantor and the borrower is the expiration of the guarantee period, so the guarantee relationship is automatically dissolved after the expiration. In addition, in the process of implementing the guarantee, it is necessary to dissolve the guarantee relationship in the process of joint implementation of the loan and guarantee.

Fourth, how to cancel the bank loan guarantee?

When handling personal first-hand housing loan business in China Bank, the borrower or guarantor has an event that the lender thinks may affect its performance ability, or the guarantee contract is invalid, revoked or dissolved, or the borrower or guarantor's economic situation deteriorates or involves major litigation or arbitration cases, or its performance ability may be affected for other reasons, or the guarantor defaults under the guarantee contract or other contracts signed with the lender, or the collateral is devalued, damaged, lost or sealed up, resulting in the weakening or loss of the guarantee value, the lender has the right to request. Guarantee the debts under the contract. Because there are some differences in different regions, please consult local institutions in detail when applying for loans.

If in doubt, please continue to consult the online customer service of Bank of China. Welcome to download China Bank Mobile Banking or pay attention to "China Bank Micro Banking" to handle business.

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