A natural person with full civil capacity between 1, 18 and 65 (inclusive);

2. Have legal and valid identity documents (resident identity card, household registration book or other valid identity documents) and proof of marital status;

3. Good credit record and willingness to repay;

4, a stable source of income and the ability to repay the loan principal and interest in full and on time.

Second, who can't be a loan guarantor:

1. Husband and wife cannot vouch for others;

2. Household registration personnel outside the loan place cannot guarantee for others;

3, unable to plan their own lives, no financial resources, no ability to repay the principal and interest for others, and no guarantee for others;

4. Retirees may not become guarantors;

5, other reasons failed to pass the audit.

In addition, it should be noted that if the branch of an enterprise as a legal person provides a guarantee without the written authorization of the legal person, the guarantee contract is invalid. If the functional department of an enterprise as a legal person provides a guarantee, the guarantee contract is invalid; Institutions and social organizations aiming at public welfare shall not act as guarantors. If an institution or social organization engaged in business activities acts as a guarantor, the guarantee contract signed by it shall be deemed as valid if there are no other circumstances that lead to the invalidity of the guarantee contract; With the approval of the State Council, state organs can act as guarantors for accepting loans from foreign governments or international economic organizations. In other cases, he shall not act as a guarantor.

Can be used as a guarantor, including: sole proprietorship enterprises and partnership enterprises registered to obtain business licenses according to law; A joint venture registered in accordance with the law and obtained a business license; Chinese-foreign contractual joint ventures registered according to law and obtaining business licenses; Social organizations approved and registered by the civil affairs department; Township, street and village-run enterprises that have been approved to register and obtain business licenses.

As a bank loan guarantor, the most basic condition is that adults with civil capacity need to have the ability and willingness to repay. At the same time, when choosing a guarantor, it should be noted that enterprises as legal persons, institutions, social organizations and other units can not be used as guarantors in general. The bank requires the guarantor to reduce the loan risk, so you must choose a guarantor with guarantee qualification to guarantee when applying for a loan. What are your questions when choosing a guarantor or a guarantor?