After the borrower pays off the loan, the loan guarantor has no guarantee responsibility. If the borrower fails to pay off the loan, it depends on whether the guarantor has signed a general guarantee or a joint liability guarantee. If it is a general guarantee, the guarantor cannot be required to repay it before the borrower can really repay it; In the case of joint and several liability guarantee, after loans overdue, the lending institution may directly ask the guarantor to repay the loan. After the guarantor repays the loan on his behalf, he can obtain the right of subrogation and ask the borrower to repay his compensatory debt after obtaining it. If the loan guarantor wants to cancel the guarantee, it depends on the relevant regulations of the guarantor, the borrower and the lending institution when signing the loan contract.

Legal objectivity:

"General Principles of Civil Law of People's Republic of China (PRC)" Article 387 Where a creditor needs security in order to guarantee the realization of his creditor's rights in civil activities such as borrowing, buying and selling, he may establish a security interest in accordance with the provisions of this Law and other laws. If a third party provides a guarantee for the debtor to the creditor, it may require the debtor to provide a counter-guarantee. The provisions of this law and other laws shall apply to counter-guarantee.