Yes The guarantor of the secondary loan for the mentally retarded card handles the loan under normal mental conditions. If he is a person with full capacity for civil conduct, the loan behavior is valid, and the loan contract is protected by law and he is responsible. Mental disability level 2: serious obstacle to adaptive behavior; Most people can't take care of themselves, basically don't communicate with others, only communicate with caregivers, understand the simple instructions of caregivers, and have certain learning ability.