Question 1: What does the guaranteed amount mean? Please tell me, thank you. The guarantee amount is the principal amount that the guarantor intends to pay off on his behalf. However, the actual possible compensation amount will generally exceed the principal, including interest, liquidated damages and the cost of realizing creditor's rights. Of course, the guarantor and the principal creditor can agree on the scope and absolute amount of the guaranteed amount.

Question 2: What is the guarantee balance? Guarantee amount minus guarantor's repayment amount = guarantee balance.

Question 3: What do the "balance under guarantee" and "balance under external guarantee" in the letter of guarantee mean respectively? The balance under guarantee refers to the combination of all loan lines of the guarantee company during the loan process, and refers to the sum of outstanding loan lines.

The balance of external guarantee is the balance that has been guaranteed to other enterprises, that is to say, the loan guarantee has not been returned to others.

External guarantee refers to the external guarantee issued by domestic institutions (except domestic and foreign-funded financial institutions) in the form of letter of guarantee, standby letter of credit, promissory note and draft. Pledge the property specified in Article 34 of the People's Republic of China (PRC) Guarantee Law or the movable property specified in Section 1 of Chapter 4 of the People's Republic of China (PRC) Guarantee Law and the rights specified in Article 75 of Section 2, and promise to institutions outside China or domestic foreign-funded financial institutions (creditors or beneficiaries) that when the debtor fails to perform the contract,

Question 4: What is the maximum amount of guarantee? The maximum guarantee is the full guarantee. For example, if you borrow 200,000 yuan, the guarantor will guarantee this 200,000 yuan and the interest generated. It is the guarantee of the maximum amount.

Question 5: What is a "total secured loan"? What is the relationship with' secured loan balance'? For example, a guarantee company was established in June, 20 10, so the total amount of its guarantee loan is the accumulated guarantee amount from June, 20 10 to now (including the funds already paid), and the balance of the guarantee loan refers to the guarantee balance up to now, that is, you still bear the guarantee responsibility and have not paid the guarantee amount.

Question 6: What is the guarantee amount of the guarantee company? According to the Measures for the Administration of Financing Guarantee Companies, there are two restrictions: total amount and individual case:

1. The balance of financing guarantee liability of a financing guarantee company shall not exceed 10 times of its net assets.

2. The balance of financing guarantee liability provided by a financing guarantee company to a single guarantor shall not exceed 65,438+00% of its net assets, and the balance of financing guarantee liability provided to a single guarantor and its related parties shall not exceed 65,438+05% of its net assets, and the balance of guarantee liability provided to a single guarantor by issuing bonds shall not exceed 30% of its net assets.

Hope to adopt! thank you

Question 7: What does the actual principal balance of the secured loan mean? The actual principal balance of the secured loan refers to the remaining repayment amount of the loan guaranteed by the borrower for others (the principal is 2 million yuan).

Question 8: What is a payment guarantee? It is the contractor's requirement to pay the guarantee. The payment guarantee forms submitted by the employer to ensure the performance of the payment obligations of the project under the contract include bank guarantee, performance guarantee, guarantee company guarantee, mortgage or pledge. The payment guarantee of the owner shall be the amount guarantee. The main function of the payment guarantee is to review the credit status of the employer, implement various counter-guarantee measures, and ensure the timely payment of the project cost. Once the employer defaults, the payment guarantor will perform the contract on his behalf.

Question 9: What is the maximum guarantee? 1, maximum guarantee is common.

2. Maximum guarantee refers to the general guarantee contract signed by the guarantor and the creditor to provide guarantee for the loan contract and the continuous commodity transactions within a certain period of time. As long as the creditor and the debtor trade within the limit of the amount of creditor's rights agreed in the guarantee contract, the guarantor shall bear the guarantee liability according to law.

3. Maximum amount guarantee is a special form of guarantee that belongs to people. It is a kind of guarantee for unspecified similar creditor's rights that occur continuously in a certain period within the limit of the maximum creditor's rights. It is a common guarantee method in real economic activities, especially in bank financing business.

4. Article 14 of the Guarantee Law stipulates: "A guarantor and a creditor may conclude a guarantee contract separately for a single main contract, or within the maximum creditor's rights limit, for a loan contract or a commodity transaction contract that occurs continuously within a certain period.".

Question 10: What does the credit line mean? Hello, what is the purpose of your loan? In which city are you going to apply for a loan?

Credit loans can only be used for personal consumption purposes (including car purchase, decoration, teaching materials, bulk shopping, tourism, etc.). ), and you need to provide proof of use when applying, because the collateral review is strict. The specific application requires you to provide personal information through the counter personal loan department, and the handling bank will review your situation before handling it. (Note: This kind of loan is a consumer loan. If it is used for business or borrowing money, it cannot be handled. ).

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