1. Risk: If you are the guarantor of the housing provident fund loan, you will share all the risks of the provident fund loan with the guarantor. If the guarantor fails to repay the loan or fails to repay it within the time limit, you, as a joint and several responsible person, shall repay the loan first.

2. Impact: Once the guarantee is agreed, you can't apply for provident fund loans before the guarantee responsibility is lifted. Secondly, if the guaranteed party fails to repay the provident fund loan in breach of contract, it will immediately require you to bear joint and several repayment responsibilities, which will also affect your bank reputation. Even if you repay on your behalf, it will have a certain impact on your future bank loans-you already have a bad record of not repaying in time!