That depends on who buys a house and whose housing provident fund is used. If you buy a house and use your own provident fund, you are the guarantor. You don't need to find someone else to guarantee the provident fund. The owner is the guarantor.

2. What are the requirements for a provident fund guarantor?

Legal analysis: 1. Have full capacity for civil conduct.

2. Have permanent residence or valid residence status in the local town, and the income is relatively stable.

3. The housing accumulation fund has been paid normally for more than 6 months continuously, and the deposit amount in its account is more than 1 year.

4. No provident fund loan balance and other bad debts.

5. During the period when the borrower fails to repay the loan principal and interest in full, he may not withdraw the housing provident fund or apply for a housing provident fund loan. 6. The age of the guarantor of the housing provident fund loan and the term of the secured loan shall not exceed the statutory retirement age.

6. The guarantor of the natural person housing provident fund loan shall provide the guarantor's identity certificate, household registration book, income certificate and housing provident fund account number, and sign a guarantee contract with the entrusted bank.

Legal basis: Article 688 of the Civil Code stipulates in the guarantee contract that the guarantor and the debtor are jointly and severally liable for the debt, which belongs to the joint liability guarantee. When the debtor of joint and several liability guarantee fails to perform the due debt or the circumstances agreed by the parties occur, the creditor may require the debtor to perform the debt, or may require the guarantor to assume the guarantee liability within the scope of its guarantee.

Three, housing provident fund loan guarantor need to have what conditions?

If a natural person acts as a guarantor of the housing provident fund, the guarantor of the housing provident fund loan must meet the following conditions:

1, with full capacity for civil conduct;

2. Have a fixed residence or valid residence status in the local town, and the income is relatively stable;

3. The housing accumulation fund has been paid continuously and normally for more than 6 months, and its account has paid more than 1 year;

4. No provident fund loan balance and other bad debts;

5. During the period when the borrower fails to repay the loan principal and interest in full, he may not withdraw the housing provident fund or apply for a housing provident fund loan;

6. The age of the housing provident fund guarantor and the term of the secured loan shall not exceed the statutory retirement age.

The guarantor of the natural person housing provident fund shall provide the guarantor's identity certificate, household registration book, income certificate and housing provident fund account number, and sign a guarantee contract with the entrusted bank. This message is search information, not current instant information.

4. Is there a commercial loan that can be used as a guarantor of the provident fund?

The guarantor of the housing provident fund loan that is not allowed has the condition of 1 and full capacity for civil conduct; 2. Have a fixed residence or valid residence status in the local town, and the income is relatively stable; 3. The housing accumulation fund has been paid continuously and normally for more than 6 months, and its account has paid more than 1 year; 4. No provident fund loan balance and other bad debts; 5. During the period when the borrower fails to repay the loan principal and interest in full, he may not withdraw the housing provident fund or apply for a housing provident fund loan; 6. The age of the housing provident fund guarantor and the term of the secured loan shall not exceed the statutory retirement age.

The guarantor of the natural person housing provident fund shall provide the guarantor's identity certificate, household registration book, income certificate and housing provident fund account number, and sign a guarantee contract with the entrusted bank. This message is search information, not current instant information. What are the restrictions of the housing provident fund loan guarantor? 1. The housing provident fund loan guarantor requires at most two people, and the total provident fund of the borrower and the guarantor is required to reach 50% of the loan amount. In addition, the guarantor must be a person who has no loan at present and has not guaranteed for others. There are also certain restrictions on the age of the guarantor of the housing provident fund loan.

2. If the real estate is used as collateral without a guarantor, the real estate requires more than 80 square meters, and the real estate value assessment reaches 70% of the loan amount. The responsibility assumed by the guarantor of housing provident fund loan is a general guarantee if the parties agree in the guarantee contract that when the debtor fails to perform the debt, the guarantor shall bear the guarantee responsibility.

The guarantor of a general guarantee may refuse to undertake the guarantee liability to the creditor before the main contract has been tried or arbitrated and the debtor's property has been enforced according to law.

Under any of the following circumstances, the guarantor shall not exercise the rights specified in the preceding paragraph: 1. The debtor's domicile has changed, and it is difficult for the creditor to ask him to perform his debts; 2. The people's court accepts the debtor's bankruptcy case and suspends the execution procedure; 3. The guarantor waives the rights stipulated in the preceding paragraph in writing. Joint and several liability of guarantor.

If the parties agree in the guarantee contract that the guarantor and the debtor shall be jointly and severally liable for the debt, it is a joint liability guarantee.

If the debtor of joint and several liability guarantee fails to perform the debt at the expiration of the debt performance period agreed in the main contract, the creditor may require the debtor to perform the debt, or may require the guarantor to assume the guarantee liability within the scope of its guarantee. Guarantor's guarantee responsibility:.

The scope of guarantee includes the principal creditor's rights and interest, liquidated damages, damages and expenses for realizing creditor's rights.

If there are other provisions in the guarantee contract, such provisions shall prevail.

Where the parties have not agreed on the scope of guarantee or the agreement is unclear, the guarantor shall be liable for all debts. Notes for Guarantor of Housing Provident Fund Loan 1. Under normal circumstances, the borrower repays the loan by himself, and the guarantor need not worry, but the loan amount and monthly payment borrowed by the borrower will generally be shown in the guarantor's credit report.

2. When the guarantor needs to apply for any loan, the debt he guarantees will be regarded as his own debt, and usually the lending institution will include it in the debt, which may affect the loan amount of the guarantor.