First, the guarantor's net assets should be more than twice the amount of your loan.

In addition, the guarantor should have his own capital flow.

You can't be over 60.

The main terms of the general bank:

1. The loan can only use collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral;

2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest;

If the parents are old enough, they should be. At that time, the bank will have to verify the situation to determine whether they can guarantee it.