Generally speaking, there is no clear stipulation that applying for a loan must be guaranteed by a guarantor. The reason why the borrower is required to provide guarantee is mostly because the borrower's qualification is not good enough, and the lending institution only asks the borrower to provide guarantee when it feels that there is risk. If the borrower's income is stable and his personal credit is good, it is easier to apply for a loan. Of course, in addition to the guarantor, the borrower can also apply for a loan if he can provide relevant collateral, such as real estate and cars. In the case of goods guarantee, the borrower is likely to apply for a loan even if his personal qualifications are average. However, different lending institutions have different regulations, and the specific circumstances require borrowers to implement them in accordance with the regulations of relevant institutions. Therefore, whether to provide a guarantor for bank loans depends on the personal qualifications of the borrower. Interim Measures for the Administration of Personal Loans Article 29 In accordance with the loan contract, the lender shall manage and control the payment of loan funds by means of entrusted payment by the lender or independent payment by the borrower. The borrower's independent payment means that the lender directly pays the loan funds to the borrower's account according to the borrower's withdrawal application, and the borrower independently pays the borrower's transaction object that meets the purpose agreed in the contract.

Legal objectivity:

Article 681 of the Civil Code of People's Republic of China (PRC) * * * A surety contract is a contract in which the surety and the creditor agree that the surety will perform the debt or assume the responsibility when the debtor fails to perform the due debt or the circumstances agreed by the parties appear. Article 682 of the Civil Code of People's Republic of China (PRC) guarantees that the contract is the subordinate contract of the principal creditor's rights and debts. If the principal creditor's rights and debts contract is invalid, the guarantee contract is invalid, unless otherwise stipulated by law. If the debtor, guarantor and creditor are at fault after the guaranty contract is confirmed to be invalid, they shall bear corresponding civil liabilities according to their faults. Article 683 of the Civil Code of People's Republic of China (PRC) * * * A legal person organ may not act as a guarantor, except for loans to foreign governments or international economic organizations approved by the State Council. A legal person not for profit or an unincorporated organization for public welfare may not act as a guarantor.