Legal analysis: if one person fails to repay the loan, the five-household joint guarantee needs to urge the person to repay the loan in time. Family joint insurance is a joint insurance institution. Every individual in the UNPROFOR has the obligation to repay the loan, and the members of the UNPROFOR are jointly and severally liable. Because of joint liability, if one person fails to repay the loan, other households will be affected. The joint guarantee loan contract signed by the parties in this case is the true intention of the parties, and it does not violate the mandatory provisions of national laws and regulations and is a valid contract; A valid contract is legally binding on both parties, and each party should fulfill its obligations according to the contract. Those who voluntarily provide economic guarantee for the borrower with joint guarantee shall bear the joint repayment responsibility in accordance with the relevant provisions of the Civil Code.

Legal basis: Article 699 of the Civil Code stipulates that if there are more than two guarantors for the same debt, the guarantors shall bear the guarantee liability according to the guarantee share agreed in the guarantee contract; If there is no agreement on the share of guarantee, the creditor may require any guarantor to bear the guarantee responsibility within the scope of its guarantee.