To obtain a guarantor of a bank loan, the required procedures are as follows:

(1) The loan object is a natural person with full civil capacity.

(2) Having urban permanent residence or valid residence status requires the borrower to have legal status.

(3) Have a stable occupation and income, good credit and the ability to repay the loan principal and interest.

(4) There are some differences in down payment requirements among banks.

(5) There are assets recognized by the lender as collateral or pledge, or units or individuals that meet the prescribed conditions and have compensatory ability as guarantors to repay the principal and interest of the loan and bear joint and several liabilities.

(six) there is a purchase contract or agreement.

(7) Other conditions stipulated by the lender.