Legal analysis: If the borrower can't repay the loan when it is due, the creditor's right can ask the guarantor to repay it. First of all, the loan guarantor is such a role: when the borrower applies for a loan from a bank or other institution, the bank or other lender will ask the guarantor for the sake of financial security, and when the borrower fails to repay the loan on time, the guarantor will pay off the money instead of the borrower. After that, the guarantor can recover from the borrower. Secondly, guarantee is divided into general guarantee and joint liability. If it is a general guarantee, the creditor will recover the borrower's assets first, and then recover from the guarantor when all the borrower's property is still insufficient to pay off the debt. But if it is joint and several liability, the creditor can choose between the debtor and the guarantor to see who is more likely to repay.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays it at maturity and pays interest.

Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669 When concluding a loan contract, the borrower shall provide the true information about the business activities and financial status related to the loan according to the requirements of the lender.