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What if the loan amount is less than the guarantee amount?
The treatment method is as follows:

1. If the guarantor agrees to bear all the debts, the bank will directly pay the loan amount to the borrower and ask the guarantor to bear all the debts.

2. If the guarantor does not agree to bear all the debts, the bank will take back the loan amount and the guarantee amount as creditor's rights and require the guarantor to bear the corresponding debts.