No, the age of the guarantor and the term of the secured loan shall not exceed the statutory retirement age. A person who is incapacitated cannot be a guarantor. The conditions for being a guarantor are as follows:

1, with full capacity for civil conduct;

2. Have permanent residence or valid residence status in local towns, and have relatively stable work and income;

3. The housing accumulation fund has been continuously and normally paid for more than 6 months and its account has been paid for more than 1 year;

4. No provident fund loan balance and other bad debts;

5. The borrower shall not withdraw the housing provident fund or apply for a housing provident fund loan before fully repaying the loan principal and interest or revoking the guarantee;

6. The age of the guarantor and the term of the secured loan shall not exceed the statutory retirement age. A natural person shall provide the guarantor's ID card, residence booklet, income certificate and housing provident fund account number, and sign a guarantee contract with the entrusted bank.