1. Which civil subjects can be loan guarantors? Legal persons, other organizations or citizens who have the ability to pay off debts on their behalf may act as guarantors. Guarantor, also known as guarantor, refers to the agreement between a third party and the creditor that when the debtor fails to perform the debt, the guarantor will perform the debt or assume the responsibility according to the agreement, and the third party here is the guarantor. Including legal persons, other organizations or citizens who have the ability to pay off debts on their behalf. Schools, kindergartens, hospitals and other public welfare institutions and social organizations shall not be used as guarantors. Branches and functional departments of an enterprise as a legal person shall not act as guarantors. 2. What are the loan guarantee methods? 1. If the mortgage secured borrower uses the purchased house as the loan collateral, it must use the full value of the house as the loan collateral; Where real estate is mortgaged, the mortgagor and the mortgagee shall sign a written mortgage contract; The borrower must properly keep the mortgaged property during the mortgage period, be responsible for repairing and maintaining it and ensure that it is intact, and accept the supervision and inspection of the lender at any time. Before the expiration of the mortgage period, the lender shall not dispose of the mortgaged property without authorization; During the mortgage period, the mortgagor shall not mortgage, lease, transfer, sell or give away the collateral again without the consent of the lender. 2. In case of pledge guarantee, the pledgor and the pledgee must sign a written pledge contract, which will be terminated when the borrower pays off all the loan principal and interest; Before the expiration of the pledge period, the lender shall not dispose of the pledged property without authorization. During the pledge period, if the pledge is damaged or lost, the lender shall bear the responsibility and be responsible for compensation. 3. Guarantee that if the borrower fails to provide the mortgage (pledge) in full, the third party recognized by the lender shall provide joint liability guarantee. If the guarantor is a legal person, he must have the ability to repay all the principal and interest of the loan on his behalf and open a deposit account in a bank. If the guarantor is a natural person, the principal and interest have a fixed source of income, have sufficient compensation ability and have a certain deposit in the loan bank; The guarantor and the creditor shall conclude a guarantee contract in writing. If the guarantor is changed, the formalities for changing the guarantor must be handled in accordance with the regulations. Without the approval of the lender, the original guarantee contract shall not be revoked. To sum up, the bank's management of loan issuance is strict. For some people's loan needs, the bank will ask the guarantor. A person who can be a loan guarantor must be a natural person or legal person with debt repayment ability. Institutions and social organizations cannot be guarantors. When the debtor is unable to repay the debt or is unable to repay the debt for free, the guarantor shall perform joint and several liabilities.