It depends on what kind of loan you want to borrow. How much is the loan? The application conditions of banks in different regions are different.

For example, a city commercial bank loan can be guaranteed by three households.

The farming industry of rural farmers can also be guaranteed by three households and ten households.

The town also provides unsecured and unsecured credit loans to working-class individual commercial banks.

If you want to borrow money, please consult the loan officer or lobby manager of each bank.

Second, can I find a guarantor for mortgage loans?

Property mortgage loan does not need a guarantor, but it can also provide a guarantor, because property guarantee and personal guarantee can be applied at the same time. If the borrower takes the house as the mortgage loan and the house as the collateral to guarantee the debt, there is generally no need for artificial debt guarantee. According to the provisions of Article 392 of the Civil Code, if the secured creditor's right has both things and people guarantee it, if the debtor fails to perform the due debt or the parties agree to realize the security interest, the creditor shall realize the creditor's right in accordance with the agreement; If there is no agreement or the agreement is unclear, and the debtor provides the security of the property himself, the creditor shall give priority to the realization of the creditor's right with respect to the security of the property; Where a third party provides a property guarantee, the creditor may realize the creditor's right with respect to the property guarantee, or may require the guarantor to assume the guarantee responsibility. The third party providing the guarantee shall have the right to recover from the debtor after assuming the guarantee responsibility.

I am blacklisted by the bank. Can I get a loan from a guarantor?

Black households are not allowed to borrow money from banks.

Requirements for unsecured bank credit loan: (1) Persons who are at least 18 years old and have full capacity for civil conduct, permanent residence of urban residents or legal and valid identity certificates, the age of the lender required for bank loan is generally between 18-60 years old; (2) have a stable legal income and the ability to repay interest; (3) Other conditions required by the lending bank. The procedures for handling unsecured credit loans are generally divided into three steps: (1) The customer submits basic information, including the work unit and contact telephone number. (2) The lending bank or company should check the credit information of customers, including whether the credit rating of customers has illegal records, and investigate the business operation status of self-employed individuals and small and medium-sized enterprises. (3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time. 4. Can I find a guarantor to guarantee the loan?

Lend money to a guarantor

If you want to find a guarantor, you can find someone with a fixed income, good credit status and good assets and credit status as a guarantor.

Guarantors can also find loan guarantee institutions, so we must pay attention to finding reliable and formal loan guarantee institutions, otherwise risks may occur.

Step 1: sign an agreement with the guarantor and let him provide you with a guarantee.

Step 2: Let the guarantor and the creditor-that is, the bank sign a guarantee agreement.

The bank may examine the guarantor's financial status, work status and credit status. And then decide whether to recognize this guarantor. If the guarantor does not meet the requirements of the bank, he can only find another one.