用一个公司名义借款，另外一个房地产公司的资产作为担保抵押物，如果无法还款，对借款公司法人有什么影响
推荐回答（3个）
这个银行贷款到期不还的话 如果银行有抵押权 一般是先要求借款人以现金方式偿还（发出催收通知） 如果不能以现金偿还。。这个时候 银行会实现抵押权。。
按照物权法的规定 银行可以直接（以前是必须诉讼）请求法院拍卖 折现 变现抵押物来实现债权
至于采用拍卖方式来实现的时候 拍卖价值都是公开拍卖的成交价为准 低于债权的部分 银行可以继续向借款人或者担保人追索 超出债权的部分（一般是成加价 扣除贷款本金 利息 违约金 和实现债权的费用 如保全费 诉讼费 等等） 要返还抵押人
根据担保法的解释 银行债权的实现如果既有物的担保又有人的担保 那么是“先物后人”的次序来追索
对借款人的法定代表人而言 这个是直接影响其信用度的。。。当然不会直接卷进法律纠纷中 毕竟是以公司的名义贷款
回答补充：如果偿还额度不够还款要看差额和总额的大小的，最好别出入太大，这样还是钱能解决的。由借款人和担保人共同承担偿还义务，但有主次之分。如果差额较大的话貌似会涉及到刑事责任（不确定）。至于为什么，你懂的
借款公司无法还款，信用记录肯定是不良了。估计该公司以后再无法借款。
银行可以选择看当时是否有其他担保方式，银行有选择权，但一般有抵押物，银行会首选。
拍卖价值不够，那么剩余部分仍旧要落到借款人头上。（有其他担保方式，则其担保方也跑不了）
超出的话，超出部分还给抵押方（本问题中的房地产公司）。
我的猜测，估计当初作壳帮人融资，有收取回报或者分款用。
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