Common guarantee methods for personal loans
一. Personal
The guarantee of a natural person means that a natural person with full civil capacity and guarantee capacity and good credit provides a guarantee for the borrower's personal loan.
When a guarantee for an individual is adopted, the bank established an assessment system, noted the individual, determined the guaranteed amount based on the rating result, and then determined the amount of the loan based on the borrower's loan needs, solvency and risk situation.
Some banks guarantee personal loans, industry interim guarantors and characteristics, such as the requirement to seek a stable or high income, with a higher social status, with a certain position or professional skills. Many banks have a particular preference for civil servants as guarantors. Banks generally do not agree with the borrower's spouse, immediate family members and close relatives over the past two generations as guarantors of personal loans.
二. Guarantee Company
The financing guarantee company is the mainstream of the bank cooperation guarantee company, the bank in advance of the financing guarantee company to carry out the overall credit, in a certain credit period to give a certain credit limit, in the line of credit and the credit period of the financing guarantee company to guarantee each personal loan. Financing guarantee companies are often full collateral institutions, banks issued by various types of personal loans can provide guarantees.
There are also business licenses downloaded to engage in guarantee activities, and local financial offices have not issued the corporate license of the guarantee institution of financing of the guarantee company to carry out commercial cooperation with banks, a certain range of personal loan business guarantee. Such phenomena are common in personal auto loans, for example, and some weaker collateral companies also provide collateral sin. These guarantees should be more standardized in the future, gradually in line with the provisions of the interim measures for the management of financing guarantee companies.
三. Company
The company described here is a warranty company other than the company. The relationship with the borrower is divided into the following categories:
1. Guarantees provided by the developer (or manager) of the market in which the borrower is located.
These guarantors include various types of development areas, industrial parks, technology parks, commercial markets and high street market promoters (or managers). The guarantor knows the borrower, and the bank trusts the strongest market developer (or manager). These guarantees apply to the personal activities of the loan company.
2, the borrower to exploit the industrial chain of basic companies to provide guarantees.
