Legal analysis: 1. The relationship with the lender is husband and wife, because they have the same economy. If one person can't pay the loan and the other person can't pay the loan, then the guarantee will lose its meaning. 2. People from other places can't make loans as guarantors. Usually, banks have the same household registration requirements for borrowers and guarantors. If the guarantor is a foreign household registration, there is also a huge repayment risk for the bank. 3. A person without financial resources can't be a guarantor, because the guarantor's responsibility is that when the borrower fails to repay on time, the guarantor has the responsibility and obligation to help the borrower repay. Guarantors have no financial resources, so they naturally have no repayment ability. 4. Retirees can't guarantee loans to others. Generally speaking, people who have retired are not eligible for bank guarantees, whether economically or in age.

Legal basis: Article 392 of the Civil Code of People's Republic of China (PRC). Where the secured creditor's right has both things and people guarantee it, if the debtor fails to perform the due debt or the parties agree to realize the security interest, the creditor shall realize the creditor's right in accordance with the agreement. If there is no agreement or the agreement is unclear, and the debtor provides the security of the property himself, the creditor shall give priority to the realization of the creditor's right with respect to the security of the property; Where a third party provides a property guarantee, the creditor may realize the creditor's right with respect to the property guarantee, or may require the guarantor to assume the guarantee responsibility. The third party providing the guarantee shall have the right to recover from the debtor after assuming the guarantee responsibility.