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Does the institution need a guarantor to borrow 300 thousand yuan?
Unit loans do not require a guarantor.

There are many ways to get a loan. The most common are mortgage loans and credit loans. If it is a mortgage loan, generally no guarantor is needed, but a guarantee company is needed. Without a guarantee company, the bank will not lend you money. If it is a credit loan, the guarantor will be required to bear joint liability.