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为人担保要谨慎贪小便宜吃大亏

2017-08-11 12:12:54   中国青年网

兰州晚报讯(通讯员杨金涛记者滕效宏)你为别人的借款行为提供过担保吗?如果借款人承诺每月5000元的回报,你会用你的房产为其做抵押担保吗?近日,西固区人民法院受理了一起为他人做担保而引发的纠纷。

丁某系甘肃某钢结构工程有限责任公司经理,因生产周转困难,欲向李某借款60万元用于企业生产经营。丁某与李某签订了《借款合同》,约定月利率2%,借款期限自2014年11月6日至2015年2月5日。同时丁某找到罗某,请求罗某为其提供抵押担保,并承诺给罗某每月5000元作为回报,担保期为三个月。罗某为了赚取1.5万元,以自家的房屋为丁某提供了担保。因该房屋登记在罗某儿子王某名下,王某遂与李某签订了《保证合同》,承诺对上述借款本息承担连带保证责任。王某还与李某签订了《抵押合同》,承诺以其单独所有的位于兰州市城关区的住宅作为抵押,并在房产管理部门办理了房屋抵押登记手续。借款期限届满后,丁某下落不明,其公司也早已被列入不良企业名录,李某遂将借款人丁某及担保人王某一起诉至法院。

经办案人员多次调解,原、被告始终未能达成一致调解意见。经开庭审理做出判决,判令被告甘肃某钢结构工程有限责任公司、丁某于判决生效之日起十五日内偿还原告李某借款本金及2014年11月6日至2016年9月6日期间的利息(含借款期间的利息和逾期利息)共计74.88万元,并按借款本金年利率24%承担自2016年9月7日起至判决生效之日的利息;被告王某对以上借款本金及利息承担连带清偿责任。

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