Loan guarantee can be divided into personal guarantee and property guarantee. Personal guarantee mainly refers to the guarantee provided by the natural person or legal person as the third party to the bank to promise the borrower to repay the loan on time. If the debtor fails to repay the loan on time, the guarantor will bear the repayment responsibility. Property guarantee can be divided into real estate, movable property and right property (such as stocks, bonds, insurance policies, etc.) ). This kind of guarantee is mainly to mortgage the specific property of the debtor or the third party to the bank.