1. What documents does the guarantor need? The materials that the guarantor of the secured loan needs to provide are: 1, the guarantor's ID card and a copy; 2, the guarantor's household registration book and a copy; 3. The guarantor's marriage certificate and photocopy (unmarried or spouse does not need this certificate); 4. A copy of the guarantor's salary card; 5. Work certification materials of the guarantor; 6, the guarantor's income proof materials; 2. Who can be the guarantor? 1. A legal person, other organization or citizen who has the ability to pay off debts on his behalf may act as a guarantor. However, if a legal person, other organization or natural person who does not have full compensation ability enters into a guarantee contract as a guarantor and requests to be exempted from the guarantee responsibility because he does not have compensation ability, the people will not support it. 2. According to the relevant provisions of the General Principles of Civil Law, individual industrial and commercial households and rural contracted households are a special form of citizens. Therefore, citizens as guarantors can also be individual industrial and commercial households and rural contracted households. 3. Guarantors include: 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. 4. 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. 3. What is the responsibility of the guarantor? 1, general guarantee liability. The guarantor's responsibility is that when the debtor can't pay off the due debt, the guarantor should bear the responsibility, that is, pay off the due debt. 2. Joint and several liability. The guarantor's responsibility is that when the debt expires, the creditor has the right to ask the debtor or the guarantor to repay the debt. If the same creditor's right is secured by two things, after the expiration of the main contract, if the creditor is slow to exercise the right to guarantee, resulting in the decrease of the value of the collateral or damage or loss, it shall be deemed that the creditor has waived the guarantee of part or all of the property, and the guarantor shall reduce or exempt the guarantee liability within the scope of the creditor's waiver of rights. To sum up, some private enterprise owners will think of going to the bank for loans when their operating funds are tight. Banks are strict in reviewing loans and often ask the other party to provide a guarantor. In the process of signing a contract with a bank, the guarantor provides his own identity certificate, income and assets certificate, so that the bank can judge the other party's debt repayment ability.

2. What procedures does the guarantor need to change the personal housing provident fund loan?

1, first trial (accepted)

Step 2 review

3. Change handling

(1) Go through the change procedures after being approved by the loan review team;

(2) The management center sorts out the changed materials (including the Notice of Freezing the Housing Provident Fund Account) and informs the applicant of the examination and approval opinions;

(3) The guarantor shall go through the formalities of guarantee change at the undertaking bank within the prescribed time limit;

(4) After the change procedures are completed, the undertaking bank will report the results.

Extended data:

Personal housing provident fund loans (individual housing provident fund loans) are entrusted loans, which refer to the fact that employees of fund units provide guarantees to the fund management center when buying or building houses in this city. In order to further promote the commercialization and socialization of housing, housing provident fund is mainly distributed to ordinary residents.

On 20/8, Kloc-0, the Center issued the Notice on Cancelling the Requirements for Handling Identification Materials.