- How far are you from financial freedom? It’s not just 1 house. A while ago, Hurun Report has updated the financial freedom measurement standards of first-tier cities such as Beijing, Guangzhou and Shenzhen. The so-called wealth freedom is that you are not working. You can get income and daily expenses by investing in other people's time and money. Even earning extra income,...
- Are the ants borrowed to be shut down, are they caused by prepayment? Recently, some netizens and Xiaobian said that they seem to have been routined after repayment in advance, and they can't borrow money when they apply for loans on the platform. Some netizens said that their ants were closed after they repaid in advance. They all feel that they have been repaid in advance, and asked Xiaobian, in advance...
- The card has not left the money and flew. The bank card did not leave, the phone was not stolen, but the money in the bank card was missing! Mr. Li, a citizen of Dongguan, recently encountered such a strange thing. He woke up in the bank card for more than 8,000 yuan and only 6.37 yuan. After the bank’s verification, Mr. Li’s funds passed through 29 small amounts...
- The loan was rejected. Who is the "crack"? The credit industry is so wonderful. In this industry, there are actually many customers who don’t understand how the loan is going! Some customers believe that the fundamental of credit is that they will be able to repay their funds. Oh? Is it really? ...
- Is the application for the loan always rejected? The trouble of wages! Why do banks check our bank flow before placing a mortgage? It is to prove our ability to repay. What kind of repayment ability does the bank prefer? Of course, there is a steady stream of continuous monthly payments, which is what the bank focuses on. Today, small...
Arrears are not yet 11 houses to be forced to auction? It turned out to be the fault it caused!
I didn’t borrow money, I didn’t spend money, but the house was auctioned by the court. Why?
Women provide loan collateral for others 11 suites face auction
According to the Nanguo Jinbao report, Liuzhou citizen Ms. Yu used 11 houses to produce a property right certificate to Wang, and loaned 5.7 million. In return, Wang gave Ms. Yan a benefit. Later, Wang refused to repay the loan. In desperation, the bank sued the court, and the court ruled that the 11 houses under the name of the auction guarantor Ms.
Ms. Yu returned and found that the borrower was suspected of criminal offences. So she collected relevant evidence and ran around, and turned to the police in the bank, the court and Liuhe to defend her rights. Finally, the court decided to suspend the auction of the property used by Ms. .
Borrowing is risky, guarantees need to be cautious
Someone asked, is it just that the guarantee should be paid for someone else? Legally speaking, if the lender does not pay back, it should. In fact, making a guarantee is not as simple as making proof for others, but rather as a disguised loan. Although he is not the actual lender, he will also be jointly and severally liable. In the article, Ms. Qi, in the face of a small profit, faced the situation that the house was auctioned, it is not worth it. If the house is finally auctioned, Ms. Yan is really a money room.
If you make a guarantee for others, the lender runs away, the bank asks you to repay, refuses to repay, you will be on the blacklist of credit, and it will be difficult to apply for a loan later.
Seeing this, will you still give loan mortgage guarantees to others in the future? Some people may think that this is more risky than lending money. Yes, the worst result of borrowing money is that money has been squandered, but as a guarantee, not only does it have no money, but personal credit will be damaged. If it is not good, it will be ruined.
Therefore, when making a guarantee, you must be careful. You can consider the following points:
Understand the actual situation of the borrower
Whether it is a relative or a friend, before making a guarantee, you must make a detailed understanding of his actual situation through various channels, including the status of credit information and actual repayment ability. Even if the borrower is very reliable, there will be operational risks. You can't just make a guarantee because you want to face and have a good relationship with people.
Of course, it is even more difficult to ignore the risks of guarantees because of the benefits promised by the borrowers. It seems that you have taken up a lot of money, and in fact the risks are far greater than the benefits, and ultimately may not be worth the candle. These are all undesirable.
just do you best
When you give a guarantee to others, measure your financial ability. If the guarantee liability is beyond the scope of the guarantee, you must not blindly sign the guarantee contract. Otherwise, it will not only damage the interests of the borrower, but even your own interests cannot be guaranteed.
Full understanding of the contents of the guarantee contract
As a guarantor, when signing a guarantee contract, you must fully understand the contents of the contract, including the type, amount and guarantee method of the main creditor's right, especially as the guarantor's obligations. If you encounter a situation in which the lender runs, the court's decision must be fulfilled in accordance with the law, otherwise it will be suspected of committing a crime. However, if the situation is more complicated and the lender is suspected of contract fraud or fraudulent loans, the guarantor may choose to report the case to the public security organ and apply to the court for retrial.
In short, the guarantee for the person is risky, the guarantor must be rational!
Urgent use of money? We have reviewed hundreds of microfinance products! Pay attention to the WeChat public account "getting fast" (ID: chuqiankuai), no longer afraid of borrowing money.
[Exclusive Manuscript and Disclaimer] Any work, such as "360 Original", without the written authorization of 360, may not be reproduced, extracted or otherwise used by any unit, organization or individual. If you have been authorized in writing, please indicate the source of 360. Anyone who violates the above statement and infringes on the legal rights and interests of Rong 360 shall be investigated for legal responsibility according to law. The materials and conclusions in the works are for user's reference only and do not constitute operational recommendations. To obtain written authorization, please send an email to: email@example.com
- Comment list (user comments are only for users to express their personal views, does not mean that the site agrees with its views or confirms its description)
- I can still make a loan after the deadline. This old iron is amazing.
- Those who are deeply mired in online loans: Have you repaid this month?
- Registering dozens of online loan apps will affect credit reporting?
- A woman received more than 70,000 repayment notices from the bank! Senseless...
- A minute to teach you how to quickly increase the amount of online business loans?
- The 23-year-old female college student is trapped in the online loan trap.
- The net loan was collected by the door, and I used a stone to smash my glass, listen, 砰
- Want to ask for a job but get a routine, online loan scam "dressing" into job hunting training
- Borrowed 1,000, the online loan company lost him 60,000, by what?
- Will it be overdue with Alipay and credit card? You may not know this very well.
- How to buy a second house with a housing provident fund?
- Jiangmen: The loan arrears are not yet repaid.
- The minimum repayment is a blessing or a curse?
- The provident fund loan has not been paid off, can you continue to use the provident fund loan?
- The first home provident fund loan has been paid off, how is the second home provident fund loan interest rate calculated?
- Is the housing provident fund mandatory?
- What is the repayment order when the Construction Bank credit card repays the arrears?
- Repaid the arrears, and the overdue records are retained in the credit report?
- If the arrears are paid off, they will not borrow again. Can the credit stains be eliminated?
- Malaysia Airlines lost contact: Who is still owed by the passenger credit card?