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1 案情简介1995年12月6日,某信用社与某轻工机械厂(下称机械厂)签订了一份借款合同。合同约定,由信用社借给机械厂100万元,利率为18．09%,借款期限从1995年12月6日至1996年1月30日,愈期还贷,信用社可按规定加收20%的利息;同日,应机械厂的要求,某建筑公司(下称建筑公司)为机械厂的100万元借款作了担保,担保性质是连带责任担保,没有约定保证期限。同月8日,信用社向建筑公司开具一份“不可撤销财产抵押担保书”,该担保书写明建筑公司自愿将其办公楼折价163万元为机械厂担保,建筑公司在担保书上签字并盖了公章。但双方没有办理抵押物登记手续。借款期
1 case introduction December 6, 1995, a credit union and a light industrial machinery factory (hereinafter referred to as machinery factory) signed a loan contract. Contract, lent by the credit cooperatives 1 million yuan Machinery Plant, the interest rate was 18.09%, the term of the loan from December 6, 1995 to January 30, 1996, the repayment of more loans, credit cooperatives may be required to add 20% of the interest; the same day, at the request of the machinery factory, a construction company (hereinafter referred to as construction company) for the machinery factory 1 million yuan loan guarantees, the nature of the guarantee is a joint liability guarantee, there is no guarantee period. On the 8th of the same month, the credit cooperatives issued to the construction company an “irrevocable property mortgage guarantee”, which stated that the construction company voluntarily set off its office building at a cost of 1.63 million yuan as a guarantee for the machinery plant. The construction company signed and covered the guarantee The official seal. However, both parties did not handle the registration of collateral. Loan period