There are many kinds of bank loans, including secured loans. I believe that many borrowers have also heard of some knowledge points of secured loans in their daily lives, and some users have made guarantees for their friends or family members. How much is the maximum guarantee for one person? Don't give people a guarantee easily!
How much is the maximum guarantee for one person?
In fact, there is no maximum amount of personal secured loans. As long as the guarantor has this qualification, whether it is hundreds of thousands or millions, or even tens of millions, it can be guaranteed.
To guarantee others, users must have a fixed source of income, have sufficient compensation ability and have a certain deposit in the loan bank. And the guarantor must sign a guarantee contract with the borrower in front of the bank. If the guarantor changes, it must also go through the formalities for changing the guarantee in accordance with the regulations. Without the approval of the lender, the original guarantee contract shall not be revoked.
Many people will choose to find their acquaintances or relatives as guarantors, but in fact, it is best not to become guarantors easily. Because in the secured loan, both the borrower and the guarantor need to bear the responsibility. If the borrower fails to pay back the money due or the borrower is unable to pay back the money, then the guarantor needs to take full responsibility for the debt.
If you don't want to bear the debt, the guarantor needs to negotiate with the borrower to terminate the guarantee agreement. But in most cases, the borrower will not agree to terminate the guarantee agreement, and the bank may not necessarily agree. After all, the guarantee relationship between the borrower and the guarantor has been established. If the guarantee can be lifted at will, then the secured loan is meaningless.
The above is the related content sharing of "What is the maximum amount of protection for one person?" I hope it will help everyone!
How much can I borrow with a guarantor?
Question 1: How much can the guarantor borrow from the bank? The bank won't give you a loan because no bank has this business. The main body of credit loan is the main borrower. Credit loans of general banks are based on either credit cards or doctoral classes, and are for civil servants and quality customers. There is only one guarantor, and the main borrower has no financial resources, so it is impossible to borrow money from the bank. Except for some companies.
Question 2: When making a loan, how many people can one person be the guarantor at most? It's not a matter of several guarantees.
The key depends on the guarantor's credit rating and credit limit.
For example, the guarantor's credit line is 6,543,800 yuan, so the total loan he can guarantee is 6,543,800 yuan, 6,543,800 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 6,543,800 yuan.
Of course, if you guarantee loans for others, your credit balance will decrease. For example, if you borrow 50 thousand yourself, you can only guarantee 50 thousand for others
Of course, this is only theoretical. In practice, the bank may allow you to over-guarantee or reduce your guarantee amount according to your credit situation.
Question 3: Can the guarantor get a loan? The guarantor only plays the role of providing guarantee, and only when the lender fails to repay the loan on time will the guarantor undertake the repayment. As long as you meet the loan conditions and have a good credit record, you can apply for a personal loan. As a loan guarantor, you must bear the loan risk, but usually it is not criminal liability, but civil liability. (1) Legal liability of the guarantor: 1. General guarantee liability. Its responsibility is that when the debtor can't pay off the due debt, the guarantor should bear the responsibility, that is, pay off the due debt. 2. Joint and several liability. Its responsibility is that the creditor has the right to ask the debtor or guarantor to repay the debt when it expires. (II) Exemption of the guarantor's liability: the same creditor's right is secured by two things, and if the creditor is slow to exercise the security interest after the expiration of the main contract, resulting in the decrease of the value of the collateral or damage or loss, it shall be deemed that the creditor has waived the guarantee of part or all of the property, and the guarantor will reduce or exempt the guarantee liability within the scope of the creditor's waiver of rights. (III) Refusal of the guarantor: When the guarantee is a general guarantee, the guarantor has the right of first appeal, that is, the guarantor has the right to refuse the creditor's repayment request before the creditor applies to enforce the debtor's property or fails to enforce the security interest. Co-guarantors have no such right.
Question 4: Only the guarantor can make a loan. In this economic situation, everything is needed unless some companies are not particularly strict in auditing.
Unless you have collateral, or your guarantor is willing to provide collateral, you are unlikely to get a loan.
Collateral can be real estate, vehicles or other financial products.
Question 5: Can the guarantor get a loan? If you are the second guarantor of other people's loans, what is the impact of refinancing yourself?
A: The identity of the guarantor will not affect your application for a loan. But the funds will be affected, hehe. The guarantor is responsible for repayment, but he will not pay you back.
If the guarantee is a housing loan, does buying a house count as two?
A: Of course not.
Question 6: How long is the general term for guaranteeing bank loans? Bank loan guarantee is generally a joint repayment guarantee with unlimited liability. If there is no debt, the loan will be terminated at maturity or settlement. Simply put, the guarantee ends after the borrower repays all the loan principal and interest. If the borrower fails to repay all the loan principal and interest at maturity, the bank will hold the guarantor jointly and severally liable until the loan principal and interest and related expenses are fully recovered.
Hope to adopt
Question 7: How many bank loans can a person guarantee? Answer; In short, not in principle. At present, in bank loans, I or my legal representative and relevant personnel need to sign a power of attorney to authorize the financial institutions that handle loans to inquire about the credit information of individuals or enterprises through the credit information system of the People's Bank of China, and the information guaranteed for others will of course be reflected in that credit information report. Considering the risk, the general financial institutions will not agree to the person who has already provided the guarantee to guarantee again. And at present, most of them are mortgage loans, and few banks will make secured loans. However, in order to explore the rural market, it is also possible for the postal service to issue small secured loans. As long as that person has enough credibility and guarantee ability, it is not impossible for postal service to guarantee a second person.
Question 8: When I am a bank loan guarantor, can I still get a loan? Landlord, yes, as long as your conditions meet or your collateral is sufficient, you can apply for a loan, and there will be a lending institution that meets your requirements. If you are in Nanning, Guangxi, I may be able to help you! ! !
Question 9: Can I borrow money from the bank after being a guarantor? Under normal circumstances, there is no rigid requirement for this, but the information as a guarantor will also be reflected in its own credit report, and when applying for a loan, the lending institution will undoubtedly check the personal credit report. In other words, if the guarantor guarantees loans overdue, then your credit history will also be affected, and it will be more difficult to apply for a loan.
However, if the guaranteed party's loan is repaid normally or only slightly overdue, the guarantor may still apply for a loan again. Of course, the necessary conditions for self-financing should also be met, such as a good credit record and stable income.
In addition, as a loan guarantor, when the debtor fails to repay on time, the guarantor is needed to repay on his behalf. When the guarantor applies for a loan, the loan amount may be affected by the debt, and the loan amount is usually not very high, but the final amount should be comprehensively evaluated in combination with the repayment ability of the guarantor.
Therefore, guarantee for others should be carefully considered. Be sure to know the borrower and ensure that the other party has sufficient repayment ability. Otherwise, once the borrower fails to repay the loan, the guarantor will assume the responsibility of repaying the loan.
How much can an individual borrow from a bank?
First of all, answer directly.
Banks have a variety of loans with different amounts.
Second, the specific analysis
Common are credit loans, mortgage loans and secured loans. Office workers can apply for the exam.
1. Credit loan: The maximum credit loan of most banks is 300,000 yuan.
2. Mortgage loan: up to 80% of the assessed value of the collateral provided by the borrower.
For example, a 800,000 house can be mortgaged, and the maximum loan can be 640,000.
3. Guaranteed loan: the general loan amount does not exceed 300,000 yuan, and the maximum loan amount does not exceed 5 million yuan.
No matter what kind of loan, the specific amount depends on the borrower's comprehensive credit conditions.
The first thing to look at is income, which is generally about 10 times of monthly income.
Secondly, it should be evaluated according to the applicant's working hours, unit nature, marital status, personal credit status and economic ability.
The average office worker has worked in the unit for more than 3 years and has been married and educated, which shows that he is relatively stable and has sufficient repayment ability; If there is a credit record on the credit report of office workers, but there is no bad record, and the debt ratio is low, the comprehensive score will be higher.
Banks have to bear low risks, and the higher the loan amount, the better.
If you are not clear about your debt and online loan data, you can get an online loan big data report from Beijian Express, which contains detailed online loan application records, overdue details, blacklists and other data.
3. What financial management methods do office workers have?
There are many financial management methods suitable for office workers, mainly because investors should choose according to their professional level, anti-risk ability, idle time of funds and wait-and-see time.
Common financial management methods include: buying bank financial products, buying funds, buying stocks, and investing in funds.
1. Buy bank wealth management products: The advantage is that the risk is relatively small, and you don't have to look at the market. After maturity, the principal and interest will arrive together.
However, the starting point of some products is 50,000 yuan, which is suitable for office workers with certain savings.
2. Buy funds: For most office workers, funds are very popular products. If you can take certain risks, you can choose stock funds or index funds. Office workers with low risk tolerance choose monetary funds or bond funds.
On the other hand, if you have time to watch the market and have certain analytical ability, you can buy stocks.
3. Fixed investment: For office workers, if they make a fixed investment, many a mickle makes a mickle, and after a long time, their assets will get bigger and bigger.
When choosing a fund, we should choose a fund with good past income, high return rate of fund managers and high investment target.
This concludes the introduction of secured loan quota and secured loan quota. I wonder if you found the information you need from it?