My boyfriend buys a house and asks me to be his guarantor and repay the loan together, what should I

You are not sure that you want to get married, so you should not get involved in this matter, and his request is very unreasonable, you can directly refuse him. Why does he want to buy a house and repay the mortgage with you, is your name written in the house book? If you didn't write it, why should you help him pay it back?

Think about it yourself, you are not married, and he doesn't write your name when he buys a house now, but the loan has to be repaid by the two of you, even if you get married in the end, this is also counted as his premarital property, if you get divorced, you won't be able to divide it, let alone if you break up, if he doesn't want to admit that you helped him repay the loan, you don't even have evidence (unless he writes you an IOU), asking you to do such an unreasonable thing, I don't think he will write you an IOU. Finally, I advise you, this man is very unreliable!

Don't agree to it first, after a while, stabilize your job first, and then think about your relationship with him, you still can't figure out your relationship, if you add economic problems, it will be a big trouble. I concluded that women can't be too soft-hearted, otherwise it will be themselves who will suffer after all, believe me in the right. I'm in a similar situation to you, and I've been waiting to think about it.

Does he buy a house, do you have your name written on the property (if you don't pay for the down payment, you can sign a contract, how much belongs to you in the house, or are you only responsible for repaying the loan with him, and there is no other investment, you have to state it) That is, is it the property that belongs to both of you? If not, don't do it, because there is a possibility of breaking up later, and you are not unlucky when you are wrong, legally you are co-repaying, if it is your joint property (such as signing a contract as mentioned above), you can also consider it, because even if you are separated later You can get out of it, but he wants you to be the guarantor, because that means that if there is any problem with the repayment of the house in the future, he will come to you, and you can think about it yourself.

Alas, how could he make such a request?

Men, there is always a little responsibility Although housing prices are so expensive now, it costs a lifetime of savings for working people to buy a house. However, it is the duty of a man to give his wife a happy family.

Besides, you haven't reached the point of talking about marriage, so there's no need to make any guarantees.

When the interruption continues, it will be chaotic! See if you really like and love him, and he loves you, after all, this is a lifelong thing, so it doesn't matter if two people work hard! I don't have a girlfriend now, as for the house?

Now I don't have the qualifications to be a house slave! If you don't love him or you're sure he's not sure about you either, end it early, trouble! From your words, "I don't know if I can get together with him, I'm afraid that we will break up in the future", it can be seen that you didn't talk about love for the purpose of getting married.

It's hard to get to the point.

There will be no consequences for the loan money:

If there is really no ability to repay, it shall negotiate with the lending institution to extend the repayment period or repay the loan in installments;

If the lending institution fails to perform the court judgment within the performance period after winning the lawsuit, it will apply to the court for enforcement;

When the court accepts the enforcement, it will inquire about the real estate, vehicles, ** and deposits in the name of the lender in accordance with the law;

If the lender has no property in his name that can be enforced and refuses to comply with the effective judgment of the court, negative information such as overdue repayment will be recorded in the individual's credit report, and he will be restricted from high consumption and entry and exit, and may even be subject to judicial detention.

Basically, there will be no impact, and you can repay the loan on time in the future.

Of course, the guarantor is jointly and severally liable, and if the borrower fails to repay the loan, the guarantor is obliged to repay the loan.

You are jointly and severally liable, he can't afford it, and the bank will look for you to repay the money.

There are two types of legal liabilities paid by the guarantor:

1. General Warranty Liability. du

The responsibilities it pays are:

When the debtor is unable to pay off the DAO due debts, the guarantor shall bear the responsibility for it, that is, to pay off the due debts.

2. Joint and several guarantee liability. The obligation to pay is that the creditor has the right to demand repayment from the debtor or guarantor when the debt is due to be repaid. 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 joint guarantor does not have such a right. The contract stipulates that the repayment date shall be valid for one year. After one year, you decide to repay the loan at your own will, and the above is the relevant legal situation regarding the mortgage guarantor.

Summary. But it's okay for you, he uses the house as a mortgage, and if he can't repay the loan on time, the bank will apply to the court to enforce it and auction off his house to repay the loan.

Friends take out mortgages on houses. Ask me to be a guarantor, if he doesn't pay, what responsibility do I have to pay?

Hello, dear, I am a consultant who understands finance in the early morning, and has consulted more than 10,000+ people in total, and is good at financial management insurance, anti-fraud car bureau analysis, car insurance claims, bucket housing loans and other consulting services! I'm here to answer your questions, and I'm answering them....Closure let....Please wait patiently for a few minutes!

Hello dear, glad you asked!

If the borrower is unable to repay the debt, you are the guarantor and are liable to repay.

But you're okay, he uses the house as a mortgage, if he can't repay the loan on time, the bank will apply to the court for enforcement, and Liquid Xiang will auction his house to repay the loan.

So don't worry about it.

The more pitfalls are the guarantor of the credit loan, once the borrower cannot repay, the guarantor needs to repay the loan.

You see my side explaining it like this, can you understand it on your side? Can you give a thumbs up here?

Legal Analysis: Yes. In general, the bank will review the guarantor's ability to guarantee (i.e., the ability to repay), even if there is a mortgage loan with the ability to repay the loan, such as the income after repaying the CPF loan, the remaining income is enough to guarantee the loan for others.

First demolition. Legal basis: Article 681 of the Civil Code of the People's Republic of China A guarantee contract is a contract in which the guarantor and the creditor agree that the guarantor will perform the debt or assume responsibility when the debtor fails to perform the due debt or the circumstances agreed by the parties occur.

If you have confidence in your boyfriend's character and financial ability, you can give him a guarantee, otherwise, you can't guarantee it.

Legal basis: Civil Code of the People's Republic of China.

Article 394:In order to guarantee the performance of a debt, the debtor or a third party does not transfer the possession of the property and mortgages the property to the creditor, and the debtor fails to perform the due debt or the mortgage right agreed upon by the parties occurs.

, the creditor is entitled to priority in respect of the property. The debtor or third party provided for in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property provided for by the guarantee is the mortgaged property.

Article 395:The following property that the debtor or a third party has the right to dispose of may be mortgaged: (1) buildings and other land attachments; (B) the right to use construction land.

3) the right to use maritime space; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships, and aircraft under construction; (6) means of transportation; (7) Laws and administrative regulations.

Other property that is not prohibited from being mortgaged. The mortgagor may mortgage the property listed in the preceding paragraph.

Article 400 To establish a mortgage right, the parties shall conclude a mortgage contract in written form. The mortgage contract generally includes the following clauses: (1) the type and amount of the secured claim; (2) the time limit for the debtor to perform the debt; (3) The name and quantity of the mortgaged property; (4) Scope of guarantee.

Article 419:The mortgagee shall exercise the mortgage right within the limitation period for the principal creditor's right; and where it is not exercised, the people's courts will not protect it.

Legal analysis: This is mainly decided according to one's own wishes, and under normal circumstances, it is best not to involve monetary debts between boyfriends and girlfriends.

Legal basis: Civil Code of the People's Republic of China

Article 681:A guarantee contract is a contract whereby the guarantor and the creditor agree that when the debtor fails to perform the debts due or the circumstances agreed upon by the parties occur, the guarantor will regret the performance of the debts or assume the liabilities in order to ensure the realization of the creditor's rights.

Article 682:A guarantee contract is a subordinate contract to a principal creditor's rights and debts contract. Where the principal creditor's rights and debts contract is invalid, the guarantee contract is invalid, except as otherwise provided by law.

After the guarantee contract is confirmed to be invalid, if the debtor, guarantor and creditor are at fault, they shall each bear the corresponding civil liability according to their fault.