The so-called guarantee means that when the borrower cannot repay the borrowed money, the guarantor will bear the repayment responsibility, so that the risk of the lender will be reduced. Generally speaking, both the borrower and the guarantor required by the lender must have the repayment ability of the loan.

Loans of different types and amounts need guarantors with different qualifications. If it is a loan to buy a house, banks and other lending institutions generally require the guarantor to have a stable source of income. Usually, banks only accept stable professionals such as civil servants, teachers and doctors as guarantors, because the nature of lending institutions such as banks is to pursue profits and avoid risks.

The second-level disabled people say that they belong to the state care group and they have no financial resources, which means that they have no repayment ability, so they are not qualified as guarantors.