【以案释法】网贷中担保合同如何有效订立

时间:2019-07-16 来源:www.naturopatika.com

澳博官方注册

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轻易贷网络平台(简称轻易贷)是轻易科技有限公司创建并运营的网络服务平台,向注册会员提供出借与借款中介服务。原告某投资公司及被告某食品公司均系轻易贷的注册会员。

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案情简介

2016年7月16日,被告与轻易科技有限公司签订了《借款服务合同》,约定网络借款的操作方式,规则及责任。陆某,某公司与原告,被告共同签订《借款及担保协议》,并出具声明签署《担保函》,承诺为被告在轻易贷的每笔借款提供连带担保责任。

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2017年6月13日,被告向轻易贷申请借款300000元,平台将信息展示后,原告及其他8名会员分别向被告提供了借款,双方均网签了《借款及担保协议》,约定借款利率及逾期责任。平台依约扣除履约保证金后,向被告指定的帐户转款269982元。后其他8名会员分别将自己的债权进行转让,最终归并到原告名下。

借期满后,被告仅归还了2230.75元,原告诉讼至大姚法院。

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法院经审理后认为,出借人与借款人网签的借款总金额为300000元,但实际转到借款人账户的借款金额为269982元,其以服务费,履约保证金等名义扣除的费用,属于预先在本金中扣除利息,故借款本金认定为269982元。双方约定的违约金,损失总计超过法定年利率24%的部分无效。

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网贷时签订的担保合同是否成立?

XXWhen the guarantee contract was signed, the loan contract as the main contract did not have a clear loan amount and the time limit and guarantee time for the debtor to perform the debt, although the guarantor had each of the creditors signed in《声明》and《担保函》for the borrower. The loan under《借款及担保协议》provides the meaning of joint guarantee liability, but the meaning indicates that it does not meet the essential requirements for the establishment of the guarantee contract. Afterwards, the defendant applied for a loan from the Easy Loan. The net sign《借款及担保协议》had the amount of the loan and the time for performing the debt, but the plaintiff did not ask the guarantor to re-establish the guarantee contract or correct the guarantee clause. The case guarantee that the contract is not established and the second guarantor does not assume the guarantee responsibility.

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The court ruled that the defendant repaid the principal, interest and liquidated damages within the time limit prescribed by the legal documents, and the guarantor was not liable in this case.

Judge's statement

《中华人民共和国担保法》Article 5 stipulates: "The guarantee contract is the slave contract of the master contract. The guarantee contract cannot exist independently from the contract itself. It must be based on the existence of the main contract and be changed and eliminated with the main contract." Article 15 stipulates: "The guarantee contract shall include the following contents: (1) the type and amount of the main creditor's right to be guaranteed; (2) the time limit for the debtor to perform the debt; (3) the manner of guarantee; and (4) the scope of the guarantee; (5) The period of guarantee; (6) Other matters that the two parties deem necessary to be agreed upon. If the guarantee contract does not fully meet the provisions of the preceding paragraph, it may be corrected.”

Feed: Xia Lianhua

Editor: Wang Simin

Audit: Zheng Jianzhong

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