It is risky to help a friend as a guarantor of mortgage loan, and he should bear joint liability in law. In other words, when a friend's loan needs to be repaid, he will repay it first, but if he is unable to repay it at that time, you are obliged to repay the remaining loan. If the bank asks you to repay the remaining loan to the relevant law enforcement agencies, you must unconditionally implement it. As for helping your friend repay the remaining loan, only after you have fulfilled the repayment obligation can you complain to the relevant law enforcement departments and ask your friend to repay the part you actually paid. There is a contradiction in this, that is, he has no repayment ability, and although you have the right to let him repay what you actually paid, you often can't get it. I don't know if you understand.

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