Legal analysis: As long as the guarantor has the ability to guarantee, even if he is retired, he can still guarantee. Classification of guarantors: The classification of guarantors is mainly based on the method of guarantee, and there are four types of guarantee: mortgage, pledge, guarantee, and mortgage plus guarantee.

Legal basis: "The People's Republic of China and the Civil Code"

Article 667: The loan contract means that the borrower borrows money from the lender, and returns the loan and pays when due interest contract.

Article 680: Lending at high interest rates is prohibited, and the interest rate for borrowing must not violate relevant state regulations. If the loan contract does not stipulate the payment of interest, it will be deemed that there is no interest. If the loan contract does not clearly stipulate the payment of interest, and the parties cannot reach a supplementary agreement, the interest will be determined according to local or party transaction methods, transaction habits, market interest rates and other factors; if the loan is borrowed between natural persons, it will be deemed to have no interest.