After the borrower must provide the pledge, mortgage, third-party guarantee recognized by the bank or have certain credit qualification, the bank will verify the corresponding pledge, mortgage, guarantee or credit line of the borrower. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating.

There are several types of guarantee: 1. Guarantee, that is, when you can't pay off your debts, you must have a natural person and a legal person to pay off your debts for the debtor; 2. Mortgage guarantee, that is, the debtor provides his own movable or immovable property as a guarantee. When the debtor fails to pay off his debts at maturity, the creditor will pay off his debts by auction proceeds through legal procedures, and the difference between the auction price and the debts will be returned for a long time; 3. Pledge guarantee is provided by the debtor and owned by itself, or although it is not owned by itself, a third party is willing to use securities such as certificates of deposit/bonds/stocks as a guarantee that the debt cannot be paid off when it expires.

There are two ways to avoid guarantor loans: 1. Mortgage or pledge, 2. Credit loan. The first one has been mentioned before; The second kind of credit loan refers to those talents who have passed the bank evaluation and have a certain credit rating. At present, there is basically no credit loan in China:

So it is impossible to get a loan without providing a guarantee.