Legal analysis: the creditor agrees to withdraw capital. Whether you are a guarantor or not is different from not paying back the loan yourself. Being a guarantor of housing provident fund loans to others means that if others don't repay the housing provident fund loans, you have the obligation to repay them jointly and severally.

Legal basis: Article 693 of the Civil Code. If the creditor of the general guarantee fails to file a lawsuit or apply for arbitration against the debtor during the guarantee period, the guarantor will no longer bear the guarantee responsibility.

If the creditor of joint and several liability guarantee fails to ask the guarantor to bear the guarantee responsibility during the guarantee period, the guarantor will no longer bear the guarantee responsibility.