Choosing a guarantor is a joint and several liability guarantee. At present, the joint liability guarantee stipulated by the provident fund center generally requires two people.

If a natural person is the guarantor of housing provident fund, the guarantor of housing provident fund loan must meet the following conditions:

1, with full capacity for civil conduct;

2. Have permanent residence or valid residence status in the local town, and the income is relatively stable;

3. The housing accumulation fund has been continuously and normally paid for more than 6 months, and its account has a deposit of more than 1 year;

4. No provident fund loan balance and other bad debts;

5. During the period when the borrower fails to repay the loan principal and interest in full, he may not withdraw the housing provident fund or apply for a housing provident fund loan;

6. The age of the housing provident fund guarantor and the term of the secured loan shall not exceed the statutory retirement age.