What are the limits of a loan guarantor? Automatic translate
Some loan offers require the invitation of a guarantor. This provides the lender with additional security. Many people are afraid to become such a guarantor because of the restrictions imposed. Do they really exist?
From a legislative position, no serious restrictions are introduced, but there are features. For example, in the event of bankruptcy of an individual, the guarantee becomes impossible. Banks themselves cannot impose restrictions with the help of local documents. Any prerequisites to do so are illegal.
Can a guarantor take loans?
Such a person can take loans, use credit cards, arrange a mortgage. He can become a guarantor several times. Approval in all these situations depends on the person’s financial situation. The bank will certainly make calculations, assess solvency. If the income is high, and the possible repayments on the loan will not cause a deterioration in the quality of life, banks will issue new loans.
Note that the guarantee does not affect the CI until the need to make payments arises. After that, it will change, as with payments for a regular financial product. Therefore, you can safely take a profitable loan through the Internet site Bankiros.ru. It is easy to choose an option on it, to find an offer, taking into account different parameters, interest rates, amounts. You can immediately submit an online application.
Can the guarantor go abroad?
A person can go to other states at any time, except for situations related to the impossibility of repaying a debt. If the borrower and the guarantor do not make mandatory payments under the loan agreement according to the schedule, a certain amount of debt has accumulated, a court is held. According to his decision, both persons cannot leave the Russian Federation.
Sometimes banks prescribe the need to stay in the country in the loan agreement. Read all official papers carefully. If necessary, this situation can be challenged in court.
Another feature is that some states do not issue visas if a person has certain financial obligations. There are few such countries, but it is worth knowing in advance about their policies regarding this issue.
Can a guarantor dispose of his property?
If movable or immovable property is not under pledge, the guarantor may sell it or donate it. There will be no restrictions. They can arise only if the borrower and the guarantor refuse to repay the debt, and bailiffs are involved in the case.
Such a person does not have the right to dispose of property that was received on credit. Only the borrower himself - a person who fully owns the property and its shares. The guarantor will not be able to compensate for his own costs when the debt has to be paid by himself. Only spouses automatically become owners if they take, for example, a mortgage.
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