According to the regulations, if the borrower is not qualified to apply for a loan, he can find such a person to guarantee himself and apply for a secured loan. But the guarantor needs to pay attention to the risk problem. So I can help my cousin get a loan from the bank.

Guarantee is generally divided into general guarantee and joint liability guarantee. When the borrower fails to repay the loan on time, the guarantor must repay it on his behalf according to the contract requirements. In other words, when the borrower is unable to repay, the money needs to be repaid by the guarantor. And this loan record will also be recorded in the personal credit report. When the borrower loans overdue, the guarantor's credit report will also be implicated.