1. If the guarantor fails to repay or repay the loan within the time limit, the guarantor has the responsibility to repay the loan on his behalf (referring to part of the responsibility).

2. The guarantor only borrows money for others as a guarantee, and when he borrows money himself, this guarantee responsibility will not be recorded in the monthly liabilities of the guarantor, but in the total liabilities of the guarantor (the specific calculation depends on the specific bank).

3. Whether the guarantor's overdue repayment or non-repayment will affect the guarantor's credit record depends on the guarantee contract signed.