Legal analysis: As the guarantee may form debt, external guarantee can also be regarded as the disposal of * * * property. According to the regulations, the disposal of * * * property requires the consent of * * *. So some banks will stipulate that the guarantor of the lender needs to be both husband and wife. Of course, not all banks have such regulations, and even banks that implement this regulation will have quota regulations. Generally, if the amount exceeds the quota, both husband and wife need to sign, and only one person can sign below.

Legal basis: Article 386 of the Civil Code of People's Republic of China (PRC) * * * If the debtor fails to perform the due debt or the parties agree to realize the security interest, the holder of the security interest shall enjoy the right of priority compensation for the secured property according to law, except as otherwise provided by law.