For secured loans, if the applicant fails to repay, the lender will order the guarantor to repay jointly and severally. If there is no agreement, you must keep asking until you can't repay it. Specifically, it is necessary to observe whether the guarantee liability of the guarantor is required to bear joint liability in the loan contract.

Usually, bank loan guarantees are divided into two types: general guarantees and joint liability guarantees. In the case that the borrower has not yet made a loan to the bank, the guarantor needs to bear the general guarantee liability or joint liability.