One often hears frightening stories about failed bailouts. The decision to act as a surety is not always made voluntarily. Often circumstances dictate this, sometimes family and work relationships. But there are cases requiring the so-called withdrawal from the number of guarantors. You simply may not be given a loan to start your own business and not be given the opportunity to leave for permanent residence abroad. In this case, it is worth getting advice from a lawyer with the ability to search for ways to retreat.
It is necessary
documents on obtaining a loan, a certificate from the place of work on wages, an application for replacing a guarantor, a copy of a passport, a passport, copies of pay sheets for the last six months
Instructions
Step 1
To leave the list of guarantors for various reasons, it is worth not only finding someone who will be ready to replace you. You will have to go through a lengthy procedure for approving documents at all stages of replacement. Before that, you should take care of a guarantor with no less high level of solvency than yours.
Step 2
The replacement procedure is simple. To do this, the recipient of the loan must submit an application to the bank or the head branch of the bank with a request to replace the guarantor with a loan. A complete package of documents for the replacement of the guarantor must include - an application with a request to replace the guarantor under the loan agreement, the original passport of the guarantor and copies of the completed pages, a certificate of the guarantor from the company's accounting department on the average monthly wage. The last document is submitted six months in advance.
Step 3
In addition to this package of documents, it is necessary to attach the payment sheets of the guarantor for the loan for the last six months. These sheets can be replaced by an extract from the company on income in the form established by law. All documents must be official and certified.
Step 4
You can get advice on all issues at the bank. In addition, when concluding some contracts, they prescribe the requirements for the guarantor, subject to his replacement.
