Legal analysis: 1, involving contract law, the guarantee contract is a kind of contract, the change of the guarantor requires the consent of the creditor, and both parties need to sign a new written guarantee contract. 2. Where the method of guarantee is changed, the guarantor and the creditor shall stipulate the method of guarantee in the new guarantee contract. If there is no agreement, it shall be regarded as joint and several liability. The following procedures should be followed:

2. The borrower first applies to the loan department (or management department or sub-center, the same below), and after the loan department agrees, the loan department issues the Notice of Change of Guarantor of Housing Provident Fund Loan to the loan handling bank.

3. The bank handling personnel shall notify the borrower, the new guarantor and all the original guarantors according to the contents of the Notice on the Change of Guarantor of Housing Provident Fund Loan, and sign the Agreement on the Change of Guarantor of Personal Housing Provident Fund Loan at the bank site with the original ID card. The change of guarantor will take effect after my signature and handprint.

4, the bank handling personnel according to the change content, modify the housing provident fund loan guarantor information, and notify the loan department to handle the change procedures.

5. The loan department unfreezes the housing provident fund account of the replaced guarantor and freezes the housing provident fund account of the new guarantor.

Each entrusting bank shall strictly implement the above provisions, and the contract disputes caused by the false signatures of the loan-related personnel shall be borne by the handling bank.

Legal basis: Article 394 of the Civil Law of People's Republic of China (PRC) guarantees the performance of debts. If the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, the debtor fails to perform the due debt or the creditor has the right to receive priority compensation for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.