1. The number of joint guarantee teams applying for loans shall not be less than three, and each household must have full civil capacity, economic independence, and legal and stable income and assets;

2. Members of joint guarantee shall not be members of the agreed family;

3. Agree to sign a joint guarantee undertaking when applying for a joint guarantee loan, and bear joint and several liabilities;

4. Each borrower can only participate in one joint guarantee team;

5. The domicile or main business premises of the joint guarantee members shall be relatively concentrated.