{"id":5668,"date":"2020-07-07T12:49:25","date_gmt":"2020-07-07T11:49:25","guid":{"rendered":"https:\/\/bcrs.org.uk\/?p=5668"},"modified":"2020-07-07T12:49:25","modified_gmt":"2020-07-07T11:49:25","slug":"what-is-a-personal-guarantee","status":"publish","type":"post","link":"https:\/\/bcrs.org.uk\/cy\/blog\/what-is-a-personal-guarantee\/","title":{"rendered":"Beth yw Gwarant Personol?"},"content":{"rendered":"<p>Croeso yn \u00f4l i flog BCRS. Rwy&#039;n \u00f4l gyda swydd addysgiadol arall yr wythnos hon, yn canolbwyntio ar Warant Bersonol.<\/p>\n<p>Fel y gwyddoch, yma yn BCRS rydym yn credu na ddylai unrhyw fusnes hyfyw fynd heb ei gefnogi.<\/p>\n<p>Gwnawn hyn drwy ddarparu benthyciadau busnes i fusnesau bach a chanolig lleol sydd efallai angen yr hwb llif arian hwnnw i dyfu eu busnes.<\/p>\n<p>Neilltuir rheolwr datblygu busnes i bob cleient ac efallai eich bod eisoes wedi cyfarfod \u00e2 nhw i drafod sut y gallwn eich helpu.<\/p>\n<p>Mae Gwarant Personol ac Indemniad yn cael eu cymryd i ategu ein benthyciadau fel rhan o unrhyw becyn diogelwch Cynllun Benthyciadau Ymyrraeth Busnes nad yw\u2019n ymwneud \u00e2\u2019r Coronafeirws (CBILS).<\/p>\n<p>Mae&#039;n bwysig i chi ac i ni eich bod yn deall y ddogfen hon yn llawn cyn cymryd un o&#039;n benthyciadau.<\/p>\n<h6><strong>Felly, beth yw Gwarant Personol ac Indemniad?<\/strong><\/h6>\n<ul>\n<li>Mae&#039;r Warant ac Indemniad yn addewid cyfreithiol, os bydd y cwmni benthyca yn methu ag ad-dalu&#039;r benthyciad, y gall y benthyciwr ofyn i&#039;r gwarantwr wneud taliad ar ran y benthyciwr. Os na chaiff eich taliadau benthyciad eu gwneud ar amser, byddwn yn gofyn i chi ddal y rhain i fyny naill ai drwy&#039;r busnes neu&#039;n bersonol.<\/li>\n<li>Mae&#039;n ddogfen gyfreithiol bwysig ac mae angen i&#039;r gwarantwr ei llofnodi a&#039;i thystio hefyd.<\/li>\n<li>Rydym yn argymell bod unrhyw un sy\u2019n llofnodi\u2019r Warant Bersonol yn cael cyngor cyfreithiol annibynnol (CDU) ac mewn rhai achosion, fel arfer ar gyfer benthyciadau gwerth uwch, efallai y byddwn yn mynnu hyn cyn y gallwn symud ymlaen.<\/li>\n<li>Fodd bynnag, os na chymerir cyngor cyfreithiol annibynnol, gofynnwn i\u2019r gwarantwr lofnodi hawlildiad yn cadarnhau bod cyngor cyfreithiol annibynnol wedi\u2019i gynnig a\u2019i wrthod.<\/li>\n<\/ul>\n<p>Ym mhob achos mae BCRS yn cymryd Debentur cwmni, yn ogystal \u00e2 Gwarant Personol fel gwarant ar gyfer y benthyciad yr ydym yn ei ddarparu.<\/p>\n<p>Mae hyn yn golygu, os bydd y busnes yn methu, bydd galw ar y Debentur a\u2019r Warant Bersonol ar yr un pryd i ad-dalu\u2019r benthyciad. Mewn geiriau eraill, nid yw&#039;r warant yn aros tan ar \u00f4l i ni ddihysbyddu pob llwybr drwy&#039;r busnes. Gallwch ddysgu mwy am Ddebentur <a href=\"https:\/\/bcrs.org.uk\/cy\/what-is-a-debenture\/\">yma<\/a>.<\/p>\n<p>Mae&#039;n bwysig felly eich bod yn ystyried sut y byddwch yn cynnal taliadau i&#039;r benthyciad yn y digwyddiad hwn. Gwybodaeth allweddol arall y byddwn yn tynnu sylw atoch chi yw bod y warant yn cynnwys atebolrwydd ar y cyd ac unigol os oes mwy nag un ohonoch yn llofnodi&#039;r warant.<\/p>\n<p>Mae&#039;n warant gyfreithiol a gyflawnir gan bobl luosog lle gall unrhyw un gwarantwr fod yn gwbl gyfrifol am ad-dalu&#039;r ddyled gyfan.<\/p>\n<p>Fel pwynt olaf, yn y telerau ac amodau gwarant mae cymal \u201cPob Arian\u201d ac mae hynny\u2019n golygu y bydd y warant yn cynnwys yr holl symiau sy\u2019n ddyledus gan y dyledwr i BCRS o dan unrhyw drefniadau gan gynnwys unrhyw rai yn y dyfodol.<\/p>\n<p>Am ragor o wybodaeth neu gymorth cysylltwch \u00e2&#039;ch Rheolwr Datblygu Busnes a fydd yn fwy na pharod i helpu.<\/p>\n<p>Ewch i&#039;n gwefan yn\u00a0<a href=\"https:\/\/bcrs.org.uk\/cy\/\">www.bcrs.org.uk<\/a>\u00a0a gwnewch gais heddiw<\/p>\n<p>Gwyliwch y fideo\u00a0<a href=\"https:\/\/www.youtube.com\/watch?v=8AB6aMfpo8g&amp;t\">yma<\/a><\/p>\n<p><a href=\"https:\/\/bcrs.org.uk\/cy\/category\/blog\/\">Cliciwch yma<\/a>\u00a0i ddarllen mwy o dudalen blog BCRS.<\/p>\n<p>Dilynwch ni ar gyfryngau cymdeithasol<\/p>\n<p><a href=\"https:\/\/twitter.com\/B_C_R_S\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-4399\" src=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t.png\" alt=\"Twitter-logo debenture\" width=\"30\" height=\"30\" srcset=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t.png 451w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t-150x150.png 150w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t-300x300.png 300w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t-350x350.png 350w\" sizes=\"auto, (max-width: 30px) 100vw, 30px\" \/>@B_C_R_S<\/a><\/p>\n<p><a href=\"https:\/\/www.linkedin.com\/company\/bcrs-small-business-loans\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-4400\" src=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter.png\" alt=\"LinkedIn Logo - Debenture\" width=\"29\" height=\"30\" srcset=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter.png 456w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter-150x150.png 150w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter-300x300.png 300w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter-350x350.png 350w\" sizes=\"auto, (max-width: 29px) 100vw, 29px\" \/>Benthyciadau Busnes @BCRS<\/a><\/p>\n<p><a href=\"https:\/\/www.facebook.com\/BCRSBusinessLoans\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-5598\" src=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2020\/06\/Facebook-New-Logo-2013.png\" alt=\"Facebook Logo Debenture\" width=\"30\" height=\"30\" \/>@BCRSBusinessLoans<\/a><\/p>\n<p><a href=\"https:\/\/www.facebook.com\/BCRSBusinessLoans\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-4565\" src=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/10\/7048-BCRS-Lauren-McGowan-Avatar-STG1-04.06.2019.png\" alt=\"Lauren-McGowan Avatar\" width=\"55\" height=\"55\" \/><\/a>Cyhoeddwyd gan Lauren McGowan - Cynorthwyydd Marchnata Digidol<\/p>","protected":false},"excerpt":{"rendered":"<p>Croeso n\u00f4l i flog BCRS. Rwy&#039;n \u00f4l gyda swydd addysgiadol arall yr wythnos hon, yn canolbwyntio ar Warant Bersonol. Fel y gwyddoch, yma yn BCRS rydym yn credu na ddylai unrhyw fusnes hyfyw fynd heb ei gefnogi. Gwnawn hyn drwy ddarparu benthyciadau busnes i fusnesau bach a chanolig lleol sydd efallai angen yr hwb llif arian hwnnw i dyfu eu busnes. Mae pob\u2026<\/p>","protected":false},"author":12,"featured_media":5669,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[211,517,9,540,7,5,541,66,54],"class_list":["post-5668","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-bcrs","tag-blog","tag-business","tag-document","tag-finance","tag-funding","tag-personal-guarantee","tag-sme","tag-west-midlands"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is a Personal Guarantee? - BCRS Business Loans<\/title>\n<meta name=\"description\" content=\"I\u2019m back with another informative post this week, focusing on a Personal Guarantee. A Personal Guarantee and Indemnity is taken to back-up our loans.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bcrs.org.uk\/cy\/blog\/what-is-a-personal-guarantee\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is a Personal Guarantee? - BCRS Business Loans\" \/>\n<meta property=\"og:description\" content=\"I\u2019m back with another informative post this week, focusing on a Personal Guarantee. 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Cymerir Gwarant Bersonol ac Indemniad i gefnogi ein benthyciadau.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/bcrs.org.uk\/cy\/blog\/what-is-a-personal-guarantee\/","og_locale":"en_US","og_type":"article","og_title":"What is a Personal Guarantee? - BCRS Business Loans","og_description":"I\u2019m back with another informative post this week, focusing on a Personal Guarantee. 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