You need a guarantor to apply for housing provident fund loans. According to the guarantee law, the third party and the creditor agreed that when the debtor fails to perform the debt, the guarantor shall perform the debt or bear the responsibility as agreed. 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, and the creditors here are the creditors of the principal debt and need to obtain corresponding risk response capabilities.

At the same time, the housing provident fund loan needs guarantee, but it does not necessarily need guarantor guarantee. There can be two kinds of installment guarantee plus mortgage or mortgage, and the borrower can choose independently according to his actual situation.

The content of this article comes from: China Law Publishing House "General Knowledge Series of Legal Life"