First, the bank will call the company where the income certificate is located to prove whether the existence of this person is true. If you submit your bank account number when applying for a loan, as long as your bank account number is true and has an official seal, there is no problem.

Second, if the bank finds that it is fake, it will only tell you that it will not pass and the loan will not be approved.

Third, as long as you repay normally, the bank will not have a direct relationship with the guarantor.