Legal analysis: the guarantor of bank loan needs to meet the following conditions: a natural person with full capacity for civil conduct. Legal and valid proof of identity and marital status. Good credit record and willingness to repay. Have a stable source of income and the ability to repay the loan principal and interest in full and on time.

Legal basis: Article 68 1 of the Civil Code of People's Republic of China (PRC).

A surety contract is a contract in which the surety and the creditor agree that the surety will perform the debt or assume the responsibility when the debtor fails to perform the due debt or the circumstances agreed by the parties occur.