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问题
贷款人应该更换担保人?
释义
银行担保人可以换人通常需要的步骤为:
1、担保人、贷款人和银行协商变更事宜。
2、银行审核新担保人资格,符合资金或贷款担保条件,同意贷款人办理担保人变更。
3、原担保人的担保内容由新担保人承担。
法律依据:
《中华人民共和国民法典》
第二百二十六条 动产物权设立和转让前,权利人已经占有该动产的,物权自民事法律行为生效时发生效力。
第二百二十七条 动产物权设立和转让前,第三人占有该动产的,负有交付义务的人可以通过转让请求第三人返还原物的权利代替交付。
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contract doctrine
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更新时间:2025/11/13 18:09:23