Can relatives be guarantors alone, and can they be guarantors if they don t have the financial resou

Yes, but if you are not an immediate family member, the visa can be dangerous. Yes, at present, only Bank of China and Pudong Development Bank have study abroad loans in China, although Industrial and Commercial Bank of China and CITIC Industrial Bank do not have direct study abroad loans, but there are some very close financial service projects, such as the personal comprehensive consumption loan launched by ICBC that is not limited to specific consumption purposes, and the deposit loan for studying abroad provided by CITIC Industrial Bank.

If you have a regular job, you should be fine.

The guarantor is only a role in providing the guarantee, and the guarantor will only be responsible for the repayment if the lender fails to repay on time. As long as you meet the loan conditions and have a good credit history, you can apply for a personal loan. Being a guarantor of a loan is definitely subject to loan risk, but usually not criminal liability but civil liability.

1) Legal liability of the guarantor: 1. General guarantee liability. Its responsibility is that when the debtor is unable to pay off the debts due, the guarantor shall bear the responsibility for them, that is, to pay off the debts due.

2. Joint and several guarantee liability. The creditor has the right to demand repayment from the debtor or the guarantor when the debt is due. (2) Exemption from liability of the guarantor:

If the same creditor's right is both secured by property and the creditor neglects to exercise the security interest after the expiration of the performance of the main contract, resulting in a decrease in the value of the collateral or damage or loss, it shall be deemed that the creditor has waived part or all of the security, and the guarantor shall reduce or exempt the guarantee liability within the scope of the creditor's waiver of rights. (3) Circumstances in which the guarantor refuses to repay: When the guarantee is a general guarantee, the guarantor has the right to defend in the first instance, that is, the guarantor has the right to refuse the creditor's request for repayment before the creditor applies for enforcement of the debtor's property or the enforcement of the security interest fails.

The guarantor does not have to be a relative. You can act as a guarantor if you meet the following conditions:

1. A legal person, other organization or citizen who has the ability to repay debts on behalf of him may act as a guarantor.

2. State organs shall not be guarantors, except for those who have been approved to use loans from foreign countries or international economic organizations for on-lending.

3. Schools, kindergartens, hospitals and other public welfare institutions and social organizations shall not be guarantors.

4. The branches and functional departments of the enterprise legal person are not allowed to be guarantors.

5. If the branch of the enterprise legal person has the written authorization of the legal person, it may provide guarantee within the scope of authorization.

6. No unit or individual may force banks and other financial institutions or enterprises to provide guarantees for others; Banks and other financial institutions or enterprises have the right to refuse to compel them to provide guarantees for others.

Legal basis] Article 683 of the Civil Code: Organ legal persons shall not be guarantors, except for those who have been approved to use loans from foreign countries or international economic organizations for on-lending.

Non-profit legal persons and unincorporated organizations for the purpose of public welfare must not be guarantors.

Legal Analysis: Not necessarily. Legal persons, other organizations or citizens with the ability to repay on their behalf may act as guarantors.

Legal basis: Article 68 of the Civil Code of the People's Republic of China Article 13 A legal person shall not be a guarantor, except for those who have been approved to use a foreign ** or international economic wheel organization loan for on-lending. Non-profit legal persons and unincorporated organizations for the purpose of the public interest must not be guarantors.

1. The guarantor bears the guarantee liability within the scope of the guarantee stipulated in the guarantee contract, and once the debtor is unable to assume its own obligations, the guarantor has the obligation to repay the debt to the creditor on behalf of the debtor within the scope of its guarantee liability.

2. The general guarantor has the right to defend in the first instance, that is, if the debtor fails to perform the debt, the creditor cannot immediately require the general guarantor to bear the guarantee liability, and it must be under the premise that the debtor is still unable to perform the debt after the main contract is tried or arbitrated in accordance with the law. The joint and several liability guarantor, which is commonly referred to as the guarantor, does not enjoy this right, and the creditor can directly recover from the joint and several liability guarantor. Guess carefully.

3. The scope of guarantee includes the main creditor's right and interest, liquidated damages, damages and the cost of realizing the creditor's right. If the guarantee contract provides otherwise, it shall be in accordance with the agreement. If the parties have not agreed on the scope of the guarantee or the agreement is not clear, the guarantor shall be liable for all debts.

1. How to receive the right to defend the first lawsuit with the guarantee of the first resort.

Where the parties stipulate in the guarantee contract that the guarantor and the debtor shall be jointly and severally liable for the debt, it is a joint and several liability guarantee. If the debtor of the joint and several liability guarantee fails to perform the debts at the expiration of the debt performance period specified in the main contract, the creditor may require the debtor to perform the debt, and may also require the guarantor to bear the guarantee liability within the scope of the guarantee. The guarantor of a joint and several liability guarantee does not have the right to defend in the first instance when assuming the guarantee liability.

Only the general guarantor has the right to defend in the first instance.

2. Which of the guarantor's guarantee responsibilities are borne by the guarantor?

1. General Warranty Liability. If the parties agree in the guarantee contract that the guarantor shall bear the guarantee liability when the debtor fails to perform its obligations, it is a general guarantee. The guarantor of a general guarantee may refuse to bear the guarantee liability to the creditor before the main contract dispute has not been tried or arbitrated, and the debtor's property is still unable to perform its obligations in accordance with the law.

2. Joint and several liability guarantee. Where the parties stipulate in the guarantee contract that the guarantor and the debtor shall be jointly and severally liable for the debt, it is a joint liability guarantee. When the debtor fails to perform the due debts, the creditor may require the debtor to perform the debts, and may also require the guarantor to assume liability within the scope of its guarantee liability.