You can't guarantee others' loans under the following circumstances:

1. The relationship with the lender is husband and wife, because both of them are in the same economy. If one person can't repay the loan and another person can't repay the loan, then the guarantee is meaningless.

2. People from other places can't lend as guarantors. Usually, banks have the same household registration requirements for borrowers and guarantors. If the guarantor is a foreign household registration, there is also a huge repayment risk for the bank.

3. A person without financial resources cannot be a guarantor, because the guarantor's responsibility is that when the borrower fails to repay the loan on time, the guarantor has the responsibility and obligation to help the borrower repay the loan. If the guarantor has no financial resources, he naturally has no repayment ability.

4. Retirees can't provide guarantee for others' loans. Generally speaking, people who have retired are not eligible for bank guarantees, whether economically or in age. The loan guarantor refers to the behavior that the guarantor and the lender agree that when the debtor fails to perform the debt, the guarantor will perform the debt or assume the responsibility according to the agreement.

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

Article 391 Restrictions on the exercise of creditor's rights clearly stipulate that if a third party provides a guarantee and the creditor allows the debtor to transfer all or part of the debt without its written consent, the guarantor will no longer bear the corresponding guarantee liability.

Written form refers to contracts, letters, telegrams, telexes, faxes and other forms that can tangibly express the contents contained.