Provident fund loans need to provide guarantees, usually including natural person guarantees and legal person guarantees, depending on the preference of the lending bank. The natural person guarantee is jointly and severally liable with the borrower, and the legal person guarantee is jointly and severally liable with the bank and enterprise. However, only qualified enterprises can be used as guarantors of provident fund loans. If the borrower fails to repay the loan on time, the guarantor needs to bear the repayment responsibility, so the seal of the provident fund guarantor unit is responsible.