Legal analysis: bank black households cannot be guarantors. Guarantor conditions: 1, with corresponding civil capacity; 2. Have the corresponding debt repayment ability; 3. A civil subject who does not belong to the law and cannot be used as a guarantor. The third party and the creditor agreed that when the debtor fails to perform the debt, the guarantor shall perform the debt or bear the responsibility according to the agreement. The third person here is a guarantor, including a legal person, other organization or citizen who has the ability to pay off debts on his behalf.

Legal basis: Article 683 of the Civil Law of People's Republic of China (PRC), an organ as a legal person may not act as a guarantor, unless it is approved by the State Council to use loans from foreign governments or international economic organizations for lending. A legal person not for profit or an unincorporated organization for public welfare may not act as a guarantor.