真实案例！寻乌2居民替朋友担保银行贷款，结果...
<div class="wx_rich_media_content" id="jsWxContainer"><section style='box-sizing: border-box;'><section style='text-align: center;margin-top: 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;box-sizing: border-box;'></span></section></section><section style='text-align: center;margin-right: 0%;margin-bottom: 10px;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;box-sizing: border-box;'></span></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='margin-top: 0.5em;margin-bottom: 0.5em;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;vertical-align: top;width: 20%;box-sizing: border-box;'><section style='text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;box-sizing: border-box;'></span></section></section></section><section style='display: inline-block; vertical-align: top; width: 80%; padding-right: 10px; padding-left: 10px; box-sizing: border-box;'><section style='text-align: justify;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'> 懵逼的担保人</p></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><section style='width: 0px;border-right: 10px solid rgba(249, 136, 52, 0.83);display: inline-block;margin-top: 1em;vertical-align: top;border-top: 6px solid transparent !important;border-bottom: 6px solid transparent !important;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width:0;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section><section style='display: inline-block;vertical-align: middle;background-color: rgba(249, 136, 52, 0.83);padding: 8px;border-radius: 0.5em;max-width: 90% !important;box-sizing: border-box;'><section style='text-align: justify; color: rgb(255, 255, 255); box-sizing: border-box;' powered-by="xiumi.us"><p style='text-indent: 2em; box-sizing: border-box;'><font size="3">我只是做担保人，为什么我也有连带责任啊？</font></p></section></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='margin-top: 0.5em;margin-bottom: 0.5em;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;vertical-align: top;text-align: right;padding-right: 10px;padding-left: 10px;width: 80%;height: auto;box-sizing: border-box;'><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'>法官 </p></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box;'><section style='display: inline-block;vertical-align: middle;background-color: rgba(249, 136, 52, 0.83);padding: 8px;border-radius: 0.5em;max-width: 90% !important;box-sizing: border-box;'><section style='text-align: justify; color: rgb(255, 255, 255); box-sizing: border-box;' powered-by="xiumi.us"><p style='text-indent: 2em; box-sizing: border-box;'><font size="3"> 在《民法典》实施前，如果我们签了担保，担保合同上没有写连带这两个字，也是推定为“连带保证”， 但在2021年1月1日起正式实施的《民法典》对保证方式的规定有比较大的变更。<span style='color: rgb(204, 29, 29); box-sizing: border-box;'><strong style='box-sizing: border-box;'>根据《民法典》的相关规定，如果担保合同或担保条款中没有“连带”这两个字，一般就认定为承担的是“一般保证”。</strong></span></font></p></section></section><section style='width: 0px;border-left: 10px solid rgba(249, 136, 52, 0.83);display: inline-block;margin-top: 1em;vertical-align: top;border-top: 6px solid transparent !important;border-bottom: 6px solid transparent !important;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width:0;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section></section></section></section><section style='display: inline-block;vertical-align: top;width: 20%;box-sizing: border-box;'><section style='text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;box-sizing: border-box;'></span></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='text-align: center;justify-content: center;margin: 10px 0% 30px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: auto;vertical-align: top;border-style: solid;border-width: 1px;border-radius: 0px;border-color: rgb(62, 62, 62);padding-bottom: 6px;min-width: 10%;max-width: 100%;height: auto;box-sizing: border-box;'><section style='display: inline-block;width: 100%;vertical-align: top;background-color: rgba(249, 136, 52, 0.83);border-bottom: 1px solid rgb(62, 62, 62);border-bottom-right-radius: 0px;padding: 5px 15px;box-sizing: border-box;' powered-by="xiumi.us"><section style='font-size: 18px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>“一般保证”与“连带保证”有什么区别呢？</strong></p></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><section style='display: flex;flex-flow: row nowrap;margin: 35px 0% 30px;text-align: center;justify-content: center;box-sizing: border-box;'><section style='display: inline-block;vertical-align: top;width: 8px;align-self: stretch;flex: 0 0 auto;height: auto;border-style: solid;border-width: 1px;border-radius: 0px;border-color: rgb(62, 62, 62);margin-right: -5px;z-index: 1;background-color: rgba(249, 136, 52, 0.71);box-sizing: border-box;'><section style='text-align: justify;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section><section style='display: inline-block;vertical-align: top;width: 96%;border-style: solid;border-width: 1px;border-radius: 0px;border-color: rgb(62, 62, 62);flex: 0 0 auto;height: auto;align-self: flex-start;padding: 10px 15px;margin-top: -20px;margin-bottom: -20px;box-sizing: border-box;'><section style='text-align: justify; color: rgb(0, 0, 0); letter-spacing: 0px; line-height: 1.8; box-sizing: border-box;' powered-by="xiumi.us"><p style='text-indent: 2em; box-sizing: border-box;'><font size="3">一般保证，仅在债务人不能履行债务时，保证人才承担保证责任；</font></p><p style='text-indent: 2em; box-sizing: border-box;'><font size="3">而连带保证，只要债务履行期届满没有履行债务，债权人既可以要求债务人履行债务，也可以直接要求保证人承担担保责任，无需“债务人不能履行债务”的前提。</font></p><p style='text-indent: 2em; box-sizing: border-box;'><font size="3">比如，甲借出100万元给乙，丙做保证担保。如果为一般保证，借款到期，甲必须先找乙还款，乙不能偿还，甲才能找丙偿还。如果为连带保证，借款到期，甲既可以要求乙还款，也可以直接要求丙还款。因此，连带保证对保证人的责任更大，更有利于债权人保护债权。</font></p></section></section><section style='display: inline-block;vertical-align: top;width: 8px;align-self: stretch;flex: 0 0 auto;height: auto;border-style: solid;border-width: 1px;border-radius: 0px;border-color: rgb(62, 62, 62);margin-left: -5px;background-color: rgba(249, 136, 52, 0.71);box-sizing: border-box;'><section style='text-align: justify;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='text-align: center;justify-content: center;margin: 10px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: auto;vertical-align: top;border-style: solid;border-width: 2px;border-radius: 0px;border-color: rgb(249, 136, 52);min-width: 10%;max-width: 100%;height: auto;padding-top: 3px;padding-right: 10px;padding-left: 10px;box-sizing: border-box;'><section style='text-align: justify;font-size: 20px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>民法典实施后有什么变化 </strong></p></section><section style='margin-right: 0%;margin-bottom: 5px;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='background-color: rgba(249, 136, 52, 0.71);height: 1px;box-sizing: border-box;line-height: 0;'><br></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><section style='display: flex;flex-flow: row nowrap;margin-top: 10px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;'><section style='display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;align-self: flex-start;height: auto;border-top: 1px solid rgb(249, 136, 52);border-top-left-radius: 0px;padding-right: 10px;padding-left: 20px;line-height: 1;letter-spacing: 0px;border-left: 1px solid rgb(249, 136, 52);border-bottom-left-radius: 0px;box-sizing: border-box;'><section style='text-align: right;font-size: 0px;margin: 4px 0%;transform: translate3d(66px, 0px, 0px);-webkit-transform: translate3d(66px, 0px, 0px);-moz-transform: translate3d(66px, 0px, 0px);-o-transform: translate3d(66px, 0px, 0px);justify-content: flex-end;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 182px;height: 8px;vertical-align: top;overflow: hidden;background-color: rgba(249, 136, 52, 0.49);box-sizing: border-box;line-height: 0;'><br></section></section></section><section style='display: inline-block;vertical-align: top;width: 20px;align-self: stretch;flex: 0 0 auto;height: auto;box-sizing: border-box;'><br></section><section style='display: inline-block;vertical-align: bottom;width: 52px;align-self: flex-end;flex: 0 0 auto;margin-left: -16px;border-width: 0px;height: auto;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='background-color: rgb(249, 136, 52);height: 1px;box-sizing: border-box;line-height: 0;'><br></section></section></section></section></section><section style='display: inline-block;width: 100%;vertical-align: top;border-style: none solid;border-width: 1px;border-radius: 0px;border-color: rgb(109, 103, 255) rgb(249, 136, 52);padding-right: 10px;padding-left: 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;padding-top: 10px;padding-right: 10px;padding-left: 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='margin-bottom: 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: center;font-size: 19px;color: rgb(0, 0, 0);box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>《中华人民共和国<span style='box-sizing: border-box;'>民法典》</span></strong></p></section></section><section style='color: rgb(0, 0, 0); line-height: 1.8; letter-spacing: 1.2px; box-sizing: border-box;' powered-by="xiumi.us"><p style='text-indent: 2em; box-sizing: border-box;'><font size="3"><strong style='box-sizing: border-box;'><span style='letter-spacing: 1.8px; box-sizing: border-box;'>第六百八十八条第二款 </span></strong><span style='letter-spacing: 1.8px; box-sizing: border-box;'> 连带责任保证的债务人不履行到期债务或者发生当事人约定的情形时，债权人可以请求债务人履行债务，也可以请求保证人在其保证范围内承担保证责任。</span><br style='box-sizing: border-box;'></font></p><p style='text-indent: 2em; box-sizing: border-box;'><font size="3"><br></font></p><p style='text-indent: 2em; box-sizing: border-box;'><font size="3">这意味着，如果你承担的保证责任属于连带保证，那么一旦债务到期，债务人又不愿意清偿债务，作为债权人可以要求保证人在其保证范围内承担清偿责任。</font></p><p style='box-sizing: border-box;'><font size="3"><br style='box-sizing: border-box;'></font></p><p style='text-indent: 2em; box-sizing: border-box;'><font size="3"><strong style='box-sizing: border-box;'>第六百八十六条</strong> 保证的方式包括一般保证和连带责任保证。</font></p><p style='text-indent: 2em; box-sizing: border-box;'><font size="3">当事人在保证合同中对保证方式没有约定或者约定不明确的，按照一般保证承担保证责任。</font></p><p style='box-sizing: border-box;'><font size="3"><br style='box-sizing: border-box;'></font></p><p style='text-indent: 2em; box-sizing: border-box;'><font size="3">以往的《担保法》对于保证方式约定不明确的，一律按连带保证责任处理。因此，根据2021年1月1日起正式实施的《民法典》的相关规定，<strong style='box-sizing: border-box;'>如果担保合同或担保条款中没有“连带”这两个字，一般就认定为承担的是“一般保证”</strong></font></p></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><section style='margin: 10px 0% 7px; display: flex; flex-flow: row nowrap; justify-content: flex-start; transform: translate3d(10px, 0px, 0px); box-sizing: border-box;'><section style='display: inline-block;width: 33%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;height: auto;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='background-color: rgb(249, 136, 52);height: 1px;box-sizing: border-box;line-height: 0;'><br></section></section></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><section style='margin-right: 0%;margin-bottom: 10px;margin-left: 0%;display: flex;flex-flow: row nowrap;box-sizing: border-box;'><section style='display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;align-self: flex-start;height: auto;margin-right: 15px;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='background-color: rgb(249, 136, 52);height: 1px;box-sizing: border-box;line-height: 0;'><br></section></section></section><section style='display: inline-block;vertical-align: top;width: auto;align-self: flex-start;flex: 300 300 0%;height: auto;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='background-color: rgb(249, 136, 52);height: 1px;box-sizing: border-box;line-height: 0;'><br></section></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='text-align: right; box-sizing: border-box;'><font size="1">来源：寻乌县人民法院</font></p></section></section></div><p></p>
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