Who does the bank ask for money depends on the type of guarantee responsibility of the guarantor. No matter whether it is a general guarantee or a joint guarantee, no matter what kind of guarantee responsibility, banks are free to choose to ask the lender's children or guarantors for money.

If it is a general guarantee, the bank requires the guarantor to repay, and the guarantor enjoys the right of defense. In other words, the guarantor can refuse to repay the loan and ask the court to enforce the lender's collateral first. If the collateral is insufficient to pay off the debts, the guarantor's liability shall be recovered. (However, if the lender's collateral is real estate, and the real estate is its only house, the court cannot easily dispose of its real estate and cause the other party to be displaced, unless the bank arranges accommodation for his family. )

If it is a joint liability guarantee, the debtor refuses to repay it, and the bank requires the guarantor to repay it. The guarantor must repay it unconditionally, but he has the right to recover from the debtor after repayment.