{"id":4870,"date":"2021-10-28T09:25:00","date_gmt":"2021-10-28T01:25:00","guid":{"rendered":"http:\/\/www.ap-northeast-1.blog-v1.compareglobal.co.uk\/my\/?p=4870"},"modified":"2026-03-27T10:40:43","modified_gmt":"2026-03-27T02:40:43","slug":"what-are-the-risks-of-being-a-loan-guarantor-2","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/lifestyle-finance\/what-are-the-risks-of-being-a-loan-guarantor-2.html","title":{"rendered":"Want To Be A Loan Guarantor? 3 Risks You Should Be Aware Of"},"content":{"rendered":"

Have you ever been asked to act as a guarantor for someone else\u2019s loan? Often it is a partner or relative who asks, but nowadays it can also be friends or work colleagues. And, if it is for your family members, you will find it difficult to refuse.<\/p>\n

Being a guarantor can actually be a great way to help someone you know to take out a loan when needed. A guarantor acts as a third party offering security for the loan, mainly through ownership of a property, and a strong credit history.<\/p>\n

Related<\/strong>: 6 Ways To Improve Your Credit Score<\/a><\/p>\n

While guarantor loans are a valuable way to help the borrowers, there are some risks that you need to take into account. Before you step in and agree to become one, you should understand the risks and see whether or not you are comfortable with it. Let\u2019s look at 3 noteworthy risks that you must be aware of.<\/p>\n

1. It can affect your future loan prospects<\/strong><\/h2>\n

\"MY_LoanGuarantor_blog04\"<\/a><\/p>\n

Generally, when you act as a guarantor, you are responsible for making the repayments if the borrower fails to do so. By bearing the guarantor\u2019s responsibilities, your eligibility for new loans automatically gets reduced. What\u2019s more, you may face the situation where your own loan gets declined, because the bank may have calculated that you can\u2019t afford the repayments on both loans if you are required to do so.<\/p>\n

In the worst case scenario, you may have to fully repay the loan if the original borrower defaults. And if you refuse to pay, you will also be declared as \u2018defaulter\u2019<\/a> and the bank can exercise its various options to recover the amount owed, such as the seizing of your assets.<\/p>\n

2. You risk bad credit history<\/strong><\/h2>\n

\"what-are-the-risks-of-being-a-loan-guarantor-01\"<\/p>\n

Your credit report will display the fact that you are acting as the guarantor for a loan. In fact, the borrowing banks will already have had access to your credit report when you applied to become a loan guarantor. In the event where the borrower defaults, this will then be reflected in your credit report and the bank may come knocking at your door to recover the outstanding amount.<\/p>\n

And what does this mean? Well, the next time you want to take a loan, you will struggle to borrow from any major banks<\/a> as they generally do not lend to applicants who have a bad credit history.<\/p>\n

3. You are legally tied to the loan, regardless of circumstance<\/strong><\/h2>\n

\"what-are-the-risks-of-being-a-loan-guarantor-02\"<\/p>\n

Just as none of us can predict our own future, it is even harder to know what is in store for others. It\u2019s not a nice thought, but unfortunate event do happen. Friends, colleagues, even family members, for whatever reason, can have a major fall out and no longer wish to be associated with each other. Some of the more common problems are divorces, business failure and trust issues.<\/p>\n

So, what happens to the loan you ask? Since you are the guarantor, you can definitely approach the bank and ask to be removed. But, depending on the amount that needs to be repaid, the bank is legally entitled to say \u201cno\u201d to that because you are still tied to the loan and you will have<\/strong> to bear the responsibilities<\/a>.<\/p>\n

What should you do?<\/strong><\/h3>\n

Now, don\u2019t get us wrong! We are not discouraging you from being a loan guarantor, but we strongly recommend that you give it great consideration and thought. Talk to professionals if you feel uncomfortable, and never feel pressured into becoming a guarantor. Avoiding the risk of financial liability even at the cost of creating friction with your family members or friends does make sense in this situation.<\/p>\n

Remember, by being a loan guarantor, you are not only risking your own, but also your immediate family\u2019s future.<\/p>\n

There are many issues to consider, but it shouldn\u2019t stop you from offering to help if you really want to \u2013 just make sure that you understand the risks of being a guarantor and explore all the other options that you have. Consulting with the bank or lending agency prior to becoming a guarantor is vital to ensure that an agreement is drawn up where all parties understand the risks involved.<\/p>\n

Before you sign up to be a guarantor, ask the party who’s taking the loan if they’re opting for the right type of loan. Loans that are more suited to the borrower’s needs and repayment abilities will help lower the risk of loan defaults. At CompareHero.my, you can compare between and choose the best type of personal loans. For more information, click the link below:<\/p>\n

Save<\/p>\n


\nShow Me The Best Personal Loans In Malaysia!
\n<\/a>
\n[tags]<\/p>\n","protected":false},"excerpt":{"rendered":"

Have you ever been asked to act as a guarantor for someone else\u2019s loan? Often it is a partner or relative who asks, but nowadays it can also be friends or work colleagues. And, if it is for your family members, you will find it difficult to refuse.<\/p>\n","protected":false},"author":268230141,"featured_media":59852,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[412],"tags":[],"class_list":["post-4870","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyle-finance"],"yoast_head":"\nWant To Be A Loan Guarantor? 3 Risks You Should Be Aware Of<\/title>\n<meta name=\"description\" content=\"If someone asks you to be their loan guarantor, you might think it\u2019s pretty harmless. 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In Malaysia, it may not be easy for you to apply for a loan or a credit card. However, it does not mean that it is impossible. 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Learn what bankruptcy is and how to get help if you think you may be heading towards being declared a bankrupt in Malaysia. What is bankruptcy? It is a process where a debtor (a person who owes money to a creditor) is declared bankrupt following\u2026","rel":"","context":"In "Debt & Credit Score"","block_context":{"text":"Debt & Credit Score","link":"https:\/\/www.comparehero.my\/blog\/debt-credit-score"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/must-know-bankruptcy-malaysia.jpg?fit=1200%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/must-know-bankruptcy-malaysia.jpg?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/must-know-bankruptcy-malaysia.jpg?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/must-know-bankruptcy-malaysia.jpg?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/must-know-bankruptcy-malaysia.jpg?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18684,"url":"https:\/\/www.comparehero.my\/blog\/loans\/what-are-fast-approval-loans-and-how-do-you-get-one.html","url_meta":{"origin":4870,"position":2},"title":"What Are Fast Approval Loans? And How Do You Get One?","author":"CompareHero","date":"13 May 2019","format":false,"excerpt":"Need to pay off your credit card debt? Need emergency funds? These emergency scenarios are often unexpected and can really mess up your financial flow. If you don\u2019t have a rainy-day fund set aside, then taking a loan would be a good bet. However, it is unlikely that you can\u2026","rel":"","context":"In "Loans"","block_context":{"text":"Loans","link":"https:\/\/www.comparehero.my\/blog\/loans"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/What-Are-Fast-Approval-Loans.jpg?fit=1200%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/What-Are-Fast-Approval-Loans.jpg?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/What-Are-Fast-Approval-Loans.jpg?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/What-Are-Fast-Approval-Loans.jpg?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/What-Are-Fast-Approval-Loans.jpg?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":11819,"url":"https:\/\/www.comparehero.my\/blog\/lifestyle-finance\/best-low-interest-personal-loans-2.html","url_meta":{"origin":4870,"position":3},"title":"5 Lowest Interest Rate Personal Loans in Malaysia","author":"CompareHero","date":"4 November 2019","format":false,"excerpt":"Updated 4th November 2019 During times when you need some extra cash you would want to get it at the best possible rate. Look no further, because we\u2019ve done the work for you. Here is a list of personal loans with the lowest interest rates for you to consider. 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Or are you looking for more financing options? Why not consider Islamic personal loans? Lets see what exactly is an Islamic loan? 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