連帶擔保和一般擔保的區分
1、連帶擔保責(ze)任更大
一(yi)般(ban)擔(dan)(dan)保(bao)(bao)(bao)(bao),即在擔(dan)(dan)保(bao)(bao)(bao)(bao)合(he)同中約定,債(zhai)(zhai)務(wu)(wu)(wu)人(ren)(ren)(ren)(ren)(ren)不(bu)(bu)能(neng)(neng)履(lv)行債(zhai)(zhai)務(wu)(wu)(wu)時,擔(dan)(dan)保(bao)(bao)(bao)(bao)人(ren)(ren)(ren)(ren)(ren)承(cheng)(cheng)諾由擔(dan)(dan)保(bao)(bao)(bao)(bao)人(ren)(ren)(ren)(ren)(ren)承(cheng)(cheng)擔(dan)(dan)保(bao)(bao)(bao)(bao)證責(ze)任的(de),是一(yi)般(ban)保(bao)(bao)(bao)(bao)證。一(yi)般(ban)擔(dan)(dan)保(bao)(bao)(bao)(bao),前提是債(zhai)(zhai)務(wu)(wu)(wu)人(ren)(ren)(ren)(ren)(ren)不(bu)(bu)能(neng)(neng)履(lv)行債(zhai)(zhai)務(wu)(wu)(wu),債(zhai)(zhai)務(wu)(wu)(wu)人(ren)(ren)(ren)(ren)(ren)沒有履(lv)行債(zhai)(zhai)務(wu)(wu)(wu)的(de)能(neng)(neng)力了,才由擔(dan)(dan)保(bao)(bao)(bao)(bao)人(ren)(ren)(ren)(ren)(ren)承(cheng)(cheng)擔(dan)(dan)保(bao)(bao)(bao)(bao)證責(ze)任。也就是說,債(zhai)(zhai)主得(de)先讓欠(qian)(qian)債(zhai)(zhai)人(ren)(ren)(ren)(ren)(ren)本人(ren)(ren)(ren)(ren)(ren)還(huan)(huan)款(kuan),欠(qian)(qian)債(zhai)(zhai)人(ren)(ren)(ren)(ren)(ren)本人(ren)(ren)(ren)(ren)(ren)無(wu)法還(huan)(huan)款(kuan),沒有能(neng)(neng)力還(huan)(huan)款(kuan)時,才能(neng)(neng)追保(bao)(bao)(bao)(bao)證人(ren)(ren)(ren)(ren)(ren)代為還(huan)(huan)款(kuan)。
連(lian)帶擔(dan)保(bao),即在(zai)擔(dan)保(bao)合同中約定,欠(qian)債(zhai)人不(bu)履行債(zhai)務時,擔(dan)保(bao)人承諾(nuo)由擔(dan)保(bao)人承擔(dan)責任(ren),只要(yao)欠(qian)債(zhai)人不(bu)履行債(zhai)務,債(zhai)主就可以要(yao)求擔(dan)保(bao)人代(dai)為還款,而不(bu)管欠(qian)債(zhai)人是(shi)否有能力還款。
2、是否(fou)享(xiang)有先(xian)訴抗辯權不同
一般保證的(de)保證人(ren)在(zai)主合同糾紛未經審判或者仲裁,并就債務人(ren)財產(chan)依法強制執行(xing)仍(reng)不能履行(xing)債務前,對債權人(ren)可(ke)以拒絕承擔保證責任。
連帶(dai)責任保(bao)(bao)證(zheng)的債(zhai)(zhai)務(wu)(wu)人在主合同規定的債(zhai)(zhai)務(wu)(wu)履(lv)行期屆(jie)滿沒(mei)有履(lv)行債(zhai)(zhai)務(wu)(wu)的,債(zhai)(zhai)權人就可以要求保(bao)(bao)證(zheng)人在其保(bao)(bao)證(zheng)范圍內承(cheng)擔保(bao)(bao)證(zheng)責任。
連帶責任保證擔保期限有多久
連帶責任保證的保證人與債權人未約定保證期間的,債權人有權自主債務履行期限屆滿之日起6個月內要求保證人承擔保證責任。在合同約定的保證期間內,債權人未要求保證人承擔保證責任的,保證人免除保證責任。連帶責任保證的保證期間。具體說就是,債權人在法律規定(ding)(ding)或者合同約定(ding)(ding)的(de)期(qi)間(jian)(jian)內要(yao)求(qiu)(qiu)保(bao)證人(ren)承擔保(bao)證責任的(de)期(qi)限,超過(guo)此期(qi)限債權人(ren)請求(qiu)(qiu)保(bao)證人(ren)承擔保(bao)證責任的(de),法律將不予保(bao)護(hu)。保(bao)證期(qi)間(jian)(jian)屬于民法理(li)論(lun)中的(de)除斥期(qi)間(jian)(jian),所謂除斥期(qi)間(jian)(jian),是(shi)指權利(li)人(ren)享有(you)某項實(shi)體權利(li)的(de)存(cun)續期(qi)間(jian)(jian),期(qi)間(jian)(jian)經過(guo),該(gai)項實(shi)體權利(li)即告消滅,他來(lai)自于實(shi)體法,消滅的(de)是(shi)實(shi)體上的(de)權利(li)。
借款人不還錢對擔保人有影響嗎
作為擔(dan)保(bao)人不會影(ying)響個(ge)(ge)人信用信息(xi)本身(shen),但(dan)不履行(xing)(xing)法院判(pan)決或裁定的責任和義務會影(ying)響個(ge)(ge)人信用信息(xi)或有不良(liang)記錄。擔(dan)保(bao)人就是擔(dan)保(bao)人。根據《擔(dan)保(bao)法》的規定,第三(san)人與(yu)債權人約定,債務人不履行(xing)(xing)債務時,保(bao)證人按(an)照約定履行(xing)(xing)債務或者承擔(dan)責任。
擔保人配偶共同財產能執行嗎
是可以的。一(yi)般對于婚姻(yin)關(guan)系存續期間(jian),任何(he)一(yi)方(fang)所欠(qian)的債務,如不能(neng)證明是單(dan)方(fang)債務,都(dou)可認(ren)定為夫妻共(gong)同債務,應共(gong)同承擔(dan)。