Personal consumption loans, the lowest 20 thousand yuan in economically underdeveloped areas and 50 thousand yuan in economically developed areas. There is no upper limit on the amount of commercial loans, as long as you have enough repayment ability, but the first suite cannot exceed 70% of the total house price. The maximum amount of commercial loans for individual housing is 70% of the low value between the total purchase price and the housing appraisal price, and the loan amount fluctuates according to different banks' different sets, which is subject to the requirements of the lending bank. The longest loan period is 30 years, and the borrower is no more than 65 years old for men and 60 years old for women. There is only one guarantor, and the main borrower has no financial resources, so it is impossible to borrow money from the bank. Except for some microfinance companies.

1. Generally speaking, if the borrower is unable to apply for a loan due to poor personal qualifications when applying for a loan, it is ok to apply for a secured loan if a guarantor with good conditions in all aspects can be provided. The guarantor also acts as a "collateral" to a certain extent. If the borrower wants to get a large loan or make it easier, it is undoubtedly the best choice to provide collateral to apply for a loan. Due to the existence of collateral, lending institutions have a certain guarantee for the recovery of funds, and it is more convenient for borrowers to apply for loans. Similarly, if the borrower has no collateral, providing a guarantor with good personal qualifications and strong repayment ability as a third-party secured loan will also increase the loan ratio.

2. The guarantor should pay attention that if the borrower is unable to repay the loan, the guarantor has the obligation to bear the repayment responsibility. Therefore, the guarantor shall meet the relevant conditions stipulated by the lending institution, and the specific situation shall be subject to the relevant regulations of the lending institution. If the borrower has no collateral, providing a guarantor with good personal qualifications and strong repayment ability as a third-party secured loan will also improve the loan acquisition rate. However, the guarantor needs to pay attention to that if the borrower is unable to repay, the guarantor must be obliged to bear its repayment responsibility. Therefore, the guarantor must meet the relevant conditions stipulated by the lending institution, and the specific situation must be subject to the relevant regulations of the lending institution.

3. The guarantor is generally an enterprise legal person or a customer who has long-term capital transactions and large deposits in the bank. The loan amount depends on the strength of your guarantor. In fact, if you have a guarantor, you might as well borrow his money directly to run your business, but there are risks and human factors. You should think about what you are doing before you act. The guarantor of the bank loan needs to bear joint and several liability, that is, when the lender fails to repay the loan, the guarantor will bear it temporarily, and then the lender will repay the loan to the guarantor. If the lender refuses to pay the guarantor, it may bring a lawsuit to the court for compulsory execution. If both the lender and the guarantor refuse to repay the loan, the bank will sue the lender and the guarantor and apply for enforcement.