1, with full capacity for civil conduct;
2. Have a fixed residence or valid residence status in the local town, and their work and income are relatively stable;
3. The housing accumulation fund has been paid normally for more than 6 months continuously, and its account has deposits of 1 year or more;
4. No provident fund loan balance and other bad debts;
5. The borrower shall not withdraw the housing provident fund or apply for a housing provident fund loan before repaying the loan principal and interest in full or revoking the guarantee;
6. The age of the guarantor and the term of the secured loan shall not exceed the statutory retirement age. If a natural person guarantees, it shall provide the guarantor's ID card, residence booklet, income certificate and housing provident fund account number, and sign a guarantee contract with the entrusted bank.
You can apply to the bank to replace the guarantor, and the mortgage guarantor can be replaced as long as the bank recognizes and meets the above guarantee conditions.
Extended data:
Under any of the following circumstances, the guarantor shall not exercise the rights specified in the preceding paragraph:
(a) the debtor's domicile has changed, and the creditor has great difficulty in asking him to perform his debts;
(2) The people's court accepts the bankruptcy case of the debtor and suspends the execution procedure;
(3) The guarantor waives the rights stipulated in the preceding paragraph in writing.
Related information: related cases ***76 judicial interpretations ***3 ministerial regulations *** 1.
Article 18 Where the parties agree in the suretyship contract that the guarantor and the debtor shall be jointly and severally liable for the debts, it is a suretyship of joint liability.
If the debtor of joint and several liability guarantee fails to perform the debt at the expiration of the debt performance period agreed in the main contract, the creditor may require the debtor to perform the debt, or may require the guarantor to assume the guarantee liability within the scope of its guarantee.
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