Legal analysis: bank loans need guarantees, but not necessarily only guarantors. Specifically, human security, material security, and mixed security of people and things. A person's guarantee is to provide a guarantor. If there is no qualified guarantor, you can use material guarantee, that is, mortgage through other movable or immovable property. Guarantee is a necessary condition for the borrower to repay the loan on time.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 234 Where there is a dispute over the ownership and content of the real right, the interested party may request confirmation of the right.

Article 235 Where the creditor has no right to possess the immovable property or chattel, the creditor may request the return of the original property.