If the lender fails to pay the loan guarantor, it shall bear the responsibilities as agreed in the contract, including civil liability, guarantee liability and compensation liability. Guarantee is divided into general guarantee and joint liability guarantee. Joint and several liability for guarantee is the guarantee that the parties agree in the guarantee contract that the guarantor and the debtor shall bear joint liability for the debt; General guarantee is a guarantee that the parties agree in the guarantee contract that when the debtor fails to perform his debts, the guarantor shall bear the guarantee responsibility. According to Article 682 of the Civil Code, a legal guarantee contract is a subsidiary contract of the principal creditor's rights and debts contract. If the principal creditor's rights and debts contract is invalid, the guarantee contract is invalid, unless otherwise stipulated by law. If the debtor, guarantor and creditor are at fault after the guaranty contract is confirmed to be invalid, they shall bear corresponding civil liabilities according to their faults. The forms of suretyship include general suretyship and joint liability suretyship. If the parties have not agreed on the way of guarantee or the agreement is unclear in the guarantee contract, they shall bear the guarantee liability according to the general guarantee. Article 699 Where there are more than two guarantors for the same debt, the guarantors shall bear the suretyship liability according to the share of suretyship agreed in the suretyship contract; If there is no agreement on the share of guarantee, the creditor may require any guarantor to bear the guarantee responsibility within the scope of its guarantee.

Second, the guarantor is not responsible for the maturity of my Agricultural Bank of China overdraft card.

Since it is a guarantee, if you can't get it, you have to pay it back. If you really have no repayment ability, you have to pay it back.

Third, what will happen to the guarantor? Isn't the credit cooperative loan based on the guarantor?

Hello, landlord. In this case, the general practice of banks is to urge the guarantor to repay. If the guarantor fails to repay the loan, the bank will take legal measures, that is to say, take your father and another guarantor to court. If the loan procedures are correct and the guarantor is unwilling to repay, then the final judgment of the court will be to enforce the asset preservation request applied by the bank, that is, the so-called asset preservation. It is a general solution to non-performing loans to collect the lender's assets when the lender loses repayment ability and the guarantor is unwilling to pay back the money. I think your problem is that the credit union wants to temporarily solve this non-performing loan by repaying the loan (because the person in charge of non-performing loans has to stop working to collect this non-performing loan). If your father insists on refusing the visa, he is not responsible in the face of the system of repaying loans with loans. If the lender finds another guarantor to guarantee him in the process of repaying the loan, then your father will get away. Besides, if the bank chooses not to repay the loan, your father will not be able to repay it. Legally speaking, the father's debt compensation is stipulated, and it depends on how the court decides.

4. What responsibility should the guarantor bear if the loan is not repaid?

You will bear joint and several liability for repayment.