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How long is the validity period of private loan guarantor?
Legal analysis: the validity period of the private loan guarantor shall be agreed by both parties. If there is no agreement, the guarantee period is up to six months. According to the relevant laws and regulations, if the guarantor of general guarantee and the creditor have not agreed on the guarantee period, the guarantee period shall be six months from the date of the expiration of the main debt performance period. If the creditor fails to bring a lawsuit or apply for arbitration to the debtor during the guarantee period stipulated in the contract and the guarantee period stipulated in the preceding paragraph, the guarantor shall be exempted from the guarantee liability; If the creditor has filed a lawsuit or applied for arbitration, the provisions on interruption of limitation of action shall apply during the guarantee period.

Legal basis: Article 692 of the Civil Law of People's Republic of China (PRC) stipulates that the guarantor shall bear the guarantee responsibility and shall not suspend, interrupt or extend it. The creditor and the guarantor may agree on a guarantee period, but if the agreed guarantee period expires before or at the same time as the performance period of the principal debt, it is deemed that there is no agreement; If there is no agreement or the agreement is unclear, the guarantee period shall be six months from the date of expiration of the main debt performance period. Where the creditor and the debtor have not agreed or clearly agreed on the time limit for the performance of the principal debt, the guarantee period shall be counted from the date when the grace period for the creditor to request the debtor to perform the debt expires.

Article 693 of the Civil Law of People's Republic of China (PRC): If the creditor of general guarantee fails to file a lawsuit or apply for arbitration with the debtor during the guarantee period, the guarantor will no longer be liable for the guarantee. If the creditor of joint and several liability guarantee fails to ask the guarantor to bear the guarantee responsibility during the guarantee period, the guarantor will no longer bear the guarantee responsibility.