1. First of all, it depends on whether you are jointly and severally responsible for the guarantee. For general joint guarantee loans, the guarantee obligations of the joint guarantee households are not divided in equal amounts, but they bear the same amount of debt, and the debts are paid off in no particular order.

2. If the bank negotiates to share the debt equally among the remaining four households, you can ask the bank to issue a repayment certificate stamped with its official seal and exempt from debt recovery. If the bank refuses, it will be handled in the later court mediation stage. , the court will generally make such a judgment. If some of them are unable to implement the court's mediation, the court can make another mediation judgment on a separate debt dispute, so the three of you only need to determine your repayment portion