我妹妺與她老公想買樓 , 但老公多部份收以現金收 , 故銀行以收入不穏定為由拒批7成以上借貸 , 若有擔保就可以加按多一點至 九成..
這樣若我簽擔保, 若她們欠供而欠款 , 本人會因而負擔任何責任嗎?
妹妹做新樓按想我做擔保有否責任呢!!
2008-04-29 6:30 am
回答 (5)
2008-04-29 9:03 am
Of course YES!
I did it the same way as you 8 years ago. That time I think no (low)
risk and help other....Now, they cannot pay the mortage. The bank sold the
flat but the differences + lots of fee is asking me to pay!!!
I did it the same way as you 8 years ago. That time I think no (low)
risk and help other....Now, they cannot pay the mortage. The bank sold the
flat but the differences + lots of fee is asking me to pay!!!
2008-04-29 8:23 am
人心難測。你信得過你個妹，但你妹夫信唔信得過呢？萬一她們兩夫妻感情出現變化，你個妹供唔供得掂？
2008-04-29 8:18 am
風險就係佢斷供搵佢唔到就會搵你還錢. 如你有資產最壞就係銀行申請你破產還債, 唔駛死.
但妹妹咁親, 佢無必要害你掛
但妹妹咁親, 佢無必要害你掛
2008-04-29 8:01 am
簽擔保, 若借款人欠供而欠款 , 擔保人當然會因而負擔責任啦. 因為對於銀行來說, 你是其中一個'擔保'銀行有錢收的人, 所以做擔保人一定要考慮清楚.
2008-04-29 6:53 am
詳細情形可向銀行查詢.
不過,凡是做擔保人就要預負上一定責任及風險,
所以,真是要諗清楚呀!
不過,凡是做擔保人就要預負上一定責任及風險,
所以,真是要諗清楚呀!
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