Parental guarantee in mortgage to buy a house: According to the relevant provisions of China's Civil Code, parents can also act as guarantors as long as they meet the guarantee conditions. Guarantee is to ensure the realization of creditor's rights. When the guarantor signs a guarantee contract and the debtor fails to perform the repayment obligation at maturity, the guarantor shall bear joint and several liabilities.

legal ground

Article 68 1 of the Civil Code is a guarantee contract to guarantee the realization of creditor's rights. The guarantor and the creditor agree that when the debtor fails to perform the due debt or the circumstances agreed by the parties occur, the guarantor will perform the debt or assume the responsibility. Article 682 of the Civil Code guarantees that the contract is a subsidiary contract of the principal creditor's rights and debts contract. If the principal creditor's rights and debts contract is invalid, the guarantee contract is invalid, unless otherwise stipulated by law. If the debtor, guarantor and creditor are at fault after the guaranty contract is confirmed to be invalid, they shall bear corresponding civil liabilities according to their faults.