1. From the legal point of view, it is not clearly stipulated that the lender cannot be a guarantor. Loan and guarantee are different legal relationships, and the lender can act as a guarantor when necessary.
2. As a guarantor, the lender can increase the repayment ability of the loan applicant and improve the credit rating of the borrower, thus obtaining more favorable loan conditions.
3. Lenders have obtained credit review and qualification certification through loan procedures, so they can provide additional credit endorsements as guarantors, making it easier for borrowers to obtain loans.
Summary: Although lenders may already have their own liabilities, they may still be the guarantor of borrowers. Doing so can increase the borrower's credit rating and repayment ability, and help improve the borrower's chances of obtaining favorable loan conditions.
Extended data:
Loans and guarantees are common concepts in the financial field. Loan refers to the process of providing funds to the borrower, while guarantee refers to a person or entity taking responsibility for others' loans and paying them in case of debt default. Guarantee can be mortgage, guarantor or other forms. Financial institutions usually consider the borrower's credit history and repayment ability when determining the guarantor.