1. The guarantor has the right to refuse. 2. Generally, only the signature of the guarantor is required. If the bank requires the guarantor's husband and wife to sign, it means that the guarantor guarantees the property as husband and wife, which is conducive to exercising the creditor's rights and investigating the guarantee responsibility. If one of the husband and wife is not present to sign, it is invalid for the absent person. (Unless there is a power of attorney. )

2. Can the guarantor get a loan? Can the guarantor get a loan?

In principle, the guarantor can apply for a loan during his tenure as a bank loan guarantor. The guarantor only plays a role of providing guarantee, and only when the lender fails to repay the loan on time will the guarantor undertake the repayment. As long as the guarantor meets the loan conditions, he can borrow money.

However, the amount lent by the borrower and the monthly repayment amount will also be recorded in the credit record of the guarantor. When a guarantor applies for a loan from a bank, the debt secured under his name will be recognized as his own debt, which will be included in the debt range by the bank, affecting the loan amount of the guarantor. If the debtor can't pay off the debt at maturity, the credit information of the guarantor will also be recorded after enforcement, which will affect the loan.

Legal basis: Article 17 of the Guarantee Law: The guarantor of a general guarantee may refuse to undertake the guarantee liability to the creditor before the main contract has been tried or arbitrated and the debtor's property has been enforced according to law.

3. Can the guarantor get a loan?

In principle, the guarantor can apply for a loan during his tenure as a bank loan guarantor. The guarantor only plays a role of providing guarantee, and only when the lender fails to repay the loan on time will the guarantor undertake the repayment. As long as the guarantor meets the loan conditions, he can borrow money.

However, the amount lent by the borrower and the monthly repayment amount will also be recorded in the credit record of the guarantor. When a guarantor applies for a loan from a bank, the debt secured under his name will be recognized as his own debt, which will be included in the debt range by the bank, affecting the loan amount of the guarantor. If the debtor can't pay off the debt at maturity, the credit information of the guarantor will also be recorded after enforcement, which will affect the loan.

Legal basis: Article 17 of the Guarantee Law: The guarantor of a general guarantee may refuse to undertake the guarantee liability to the creditor before the main contract has been tried or arbitrated and the debtor's property has been enforced according to law.