Hello, the real estate certificate and household registration booklet that you used as mortgage for the loan can only be handed over to the bank for safekeeping, and cannot be handed over to the guarantee company.

Generally, this guarantee company is recommended by the bank when you take out a loan, and you pay the guarantee fee. The mortgaged real estate certificate, household register and other documents are the bank's means and "handle" to supervise your performance of repayment obligations, and cannot be handed over to the so-called guarantee company for safekeeping. If it is what you say, your loan process is too irregular. There are risks.