If your loan cannot be approved for some reason and you need to submit additional conditions, you can just say that you don't want to borrow it.

This is against the rules. Can ask in detail, if he is to ensure the authenticity of the emergency contact, the guarantor can bring a copy of ID card. If he asked the guarantor to help you with the credit investigation, you don't have to believe him, because the credit investigation of the loan only evaluates the credit investigation of the lender. This reason is untenable.