Need. Provident fund loans are personal housing provident fund loans, and housing provident fund loans need a guarantor. The guarantor's conditions are: full capacity for civil conduct, permanent or effective residence status in the local town, relatively stable income, continuous and normal deposit of housing provident fund for more than 6 months, and the amount paid in my account 1 year or more. Guarantor refers to the bank or other financial institution that has a letter of guarantee, that is, the bank that has been entrusted to issue a letter of guarantee to the beneficiary, and on this basis, assumes the responsibility of conditional or unconditional payment guarantee, or assumes the primary or secondary payment responsibility according to the terms of the letter of guarantee.