If your friend can't repay the loan, the bank will ask you to help find someone to repay it. If it really doesn't work, execute the house or ask you to pay back. \x0d\ You can also borrow money during your guarantee period. \x0d\ Guarantee period means that you are obliged to be a guarantor from the time your friend starts to pay off the loan. \x0d\ You have to decide whether to guarantee your friend or lend him a loan as a borrower. \x0d\ If you vouch for it, your credit information may also be reflected. \x0d\ I suggest you don't guarantee if you are not sure.