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What are the conditions for a third party mortgage guarantee?

Time: 2017-06-20         Source: Luo Ye law         Author: Luo Ye law

First, how to understand the third party mortgage guarantee?

The guarantee is divided into guarantee, mortgage, pledge, lien and deposit. A third party mortgage guarantee may provide a guaranteed guarantee, a mortgage guarantee or a pledge guarantee. The third party may require the debtor to provide a counter-guarantee when the debtor provides a guarantee to the creditor. There are many requirements to provide a guarantee, the specific can see the guarantee law.The borrower's loan, there is enough, stable repayment ability, and work, income is stable; at the same time, have a good credit recordThe After the guarantee, to the borrower's loan to play a good joint repayment responsibility.

       

Second, third-party mortgage guarantee to meet what conditions?

When the borrower applies for a third party mortgage guarantee, the lender has a certain requirement for the guarantor in addition to the borrower's request, because the guarantor also has an important responsibility, so not anyone can be the guarantor, Here we come to understand, as a third partyGuarantee the loanWhat conditions the guarantor needs to meet.

1, the guarantor needs a natural person with full civil capacity. Aged between 16 and 65 years old.

2, the guarantor needs to provide a valid identification, such as ID card or account of this. If the guarantor is married, a marriage certificate is required. Unmarried also need to provide unmarried proof.

3, the guarantor truthfully providedPersonal creditReport, prove that they have no debt, whether it has a good credit record.

4, the guarantor has a stable economic income, and voluntarily provide guarantees for the borrower, the borrower unable to repay, to help the debt service.

Therefore, the guarantor to have a certain economic base, because,Once the borrower can not be a normal repayment, the guarantor to bear the responsibility to continue to repay the loan, if the guarantor does not pay repayment on time, but also to their credit records adversely affectedThe

Third, third party mortgageSecured loanWhat is the risk?

It is up to you to ensure that the guarantee you made when it was secured is a joint liability guarantee or a general responsibility guarantee. If it is a joint liability guarantee, the creditor can choose between the debtor and the guarantor which is easy to implement, first of which; if it is a general guarantee of liability, then the first to recourse to the debtor's assets, all the remaining debt after compensation to the guarantor recourse The Second, look at the guarantee of the three of you is the reinsurance or UNPROFOR, that is, three people were part of the amount of the guarantee, or everyone on all the debt guarantee.If you are covered, you only need to guarantee that part of the amount of the guarantee responsibility, if it is UNPROFOR, and you are the strongest economic strength of the three, it is possible to first implement your collateralThe

To sum up, in the third-party mortgage-backed loan, the third party must be a natural person with full capacity, and have a certain economic basis, so as to become a guarantor. Because if the debtor appears to repay the difficulties, the guarantor is to bear joint and several liability, that is to fulfill the obligation to continue to repay the loan. People in the processMortgageOf the time, through third-party guarantees are often easier to get loans.

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