退休人员能担保贷款嘛-法律综合法律援助-法律咨询免费平台-国际律师联盟

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问题	退休人员能担保贷款嘛
释义	退休人员能不能担保贷款我国法律没有相关规章,但是银行有此规章的原因是源于对退休人员的偿还能力的担心。贷款担保人是指保证人和债权人约定,当债务人不履行债务时,保证人按照约定履行债务或者承担责任的行为。贷款担保人是指保证人和债权人约定,具有代为清偿债务能力的法人、其他组织或者公民,可以作保证人。法律依据：《中华人民共和国民法典》第七条 【诚信原则】民事主体从事民事活动，应当遵循诚信原则，秉持诚实，恪守承诺。
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