Conditions that a housing loan guarantor should meet:

First, legal persons, other organizations or citizens who have the ability to pay off debts on their behalf can act as guarantors. However, if a legal person, other organization or natural person who does not have full compensation capacity enters into a guarantee contract as a guarantor, the people's court will not support it.

Second, 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.

Three, can be used as a guarantor, including: registered in accordance with the law to obtain a business license of wholly-owned enterprises, partnerships; 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.

Fourth, if a 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.

Fifth, public institutions and social organizations aiming at public welfare may not act as guarantors. If the institutions and social organizations engaged in business activities are guarantors, and there are no other circumstances that lead to the invalidity of the guarantee contract, the guarantee contract signed by them shall be deemed as valid.

Sixth, in the process of accepting loans from foreign governments or international economic organizations, state organs can act as guarantors with the approval of the State Council. In other cases, it is not allowed to be a guarantor.

In addition, it should be noted that a natural person as a guarantor must be at least 18 years old and enjoy unlimited political rights and personal freedom.

Parents can be guarantors of housing loans, but if the bank has certain restrictions on the age of parents, the father's age cannot be higher than 65, and the mother's age cannot be higher than 60.