Before paragraph time catchs Laolai by force, netizen appeal is carried out " execute father debt child still, child debt father still interlinks a mechanism " , on the net bubbling with noise, a quarrelling sound.

But actually one kind sits than father and son repeatedly repeatedly, more deadly, if your aptitude still calculates pretty good, but the room borrows a car do no less than coming, loan always is be rebuffed, then you are necessary to understand is this person is affecting you.

What person is " complicity " you?

Before paragraph time, parents is in debt bring about a son cannot enter a school, cannot take an examination of official incident, make a person gutty for a time " I ask for runner, child credence also cannot good go where " illusive. But actually, parents follows the child signing a letter do not have direct correlation.

Can let you those who ask for a letter to be affected directly is, it is your spouse.

Be in jural, husband and wife is belonged to " economic community " . And parents, children, attribute independent legal principal part, also be independent economic main body, so, besides the directly-related members of one's family -parents besides husband and wife, the grade that sign a letter won't be affected each other. That is to say credit is independence between parental child is irrelevant, and the credence between husband and wife is be closely bound up however.

This also is why to sign a letter have on the report " conjugal credence " this one reason, average loan (especially the room borrows a car) the credit that can assess your spouse and reimbursement ability, want one party of husband and wife to have undesirable credit only, cannot leave a money probably.

(The bank should make sure aptitude of both sides of husband and wife is no problem to just can receive a ▲ to click enlarge)

So not only the credit that should carry oneself is good, also should supervise and urge your husband / wife takes seriously rise.

The spouse that above says, child is " directly-related members of one's family -parents " , child credence has nothing to do with with yours, press a truth, brother elder brother's wife 3 aunt this plants 6 old women " collateral " deed follows your credit couple more impossibly, yes right! But... unless you did this one thing.

These alien also let you suffer embroil

In daily life, relative friend also has had looked for you to make the case that assure. Meet do not rely on chart kin, do not want to assure cannot bear again rejection condition is very much.

(Baidu searched a lot of people in content to search " about assuring how " of kin of excuse oneself from this problem)

Although kin friend is in jural did not concern directly, but as security, you need to fulfill joint liability. Need to help his reimbursement not only, individual ask forring believes a record to also can leave spot.

In real life, do for kin assure, finally because borrower is insolvent or run road, oneself are forced the case that reimbursement perhaps causes a suit is troublesomely is exceedingly much.

(Kin is in debt run road complicity security)

Decide for the ability that him foundation wants when other assures so, cannot exceed oneself capacity, also cannot need with the life such as oneself house property machine parts or tools kept in reserve is on mortage.

If capability of kin friend reimbursement is not strong, however evade goes nevertheless, kin wanting a side is done assure, also must choose " general duty " , fall the harm lowest, be in otherwise your loan when, loan orgnaization also can be met the debt of a huge sum that did not come considering you, and reject to put borrow.

General duty:

Make sure responsibility is to show guarantor loses the assurance of additional duty to debtor nonperformance only commonly. The guarantor that assures commonly perhaps arbitrates without adjudgement in master contract dispute, carry out compulsively lawfully with respect to debtor belongings before still cannot fulfilling debt, can reject to assume to creditor assure responsibility.

Do I have authority to go to those who check others signing a letter

That since the credit be closely bound up that the credence of these people follows me, am I the state signing a letter that also authority knows him? Since their credence is poor, may affect I, can then I go to those who check them signing a letter?

The answer is no good. The inquiry that signs a letter can be him inquiry only. If want to check, the authorization that also needs to have each other (although the other side is your directly-related members of one's family -parents) , with procuratorial identity inquiry.

The accredit that the identity document original that you need to take oneself and relative and photocopy, client signs inquires a power of attorney goes to Chinese people bank to ask for fuse manage branch to inquire.

(▲ accredit book is long such)

As credit system more and more perfect, chase after later duty the meeting is easier and easier, "One person exceed the time limit, the family sits repeatedly " also not be the thing with absurd what. Should maintain oneself credit is clean, also remember supervising and urge the family friend beside oh ~

You have * to be not relied on chart kin asks to had assured *

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