Legal analysis: 2 1 year-old adults can borrow money to buy a house, but in practice, banks are not at ease with buyers of this age and generally will not lend money. If they have to borrow money in their own name, they will look for a guarantor, usually their parents' direct line, mainly because their work income is often unstable at this age. For the sake of risk control, banks will not easily agree to lend to people under 25.

Legal basis: Article 3 of the Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Independent Letter of Guarantee Disputes, if the parties have agreed on special liability for breach of contract, or the agreed scope of liability for guarantee is beyond the debtor's liability, the people's court shall support it.

If the guarantor's liability exceeds the debtor's liability, and the guarantor claims compensation from the debtor, the people's court shall support it if the debtor claims to be liable only within its liability; If the guarantor requests the creditor to return the excess, the people's court shall support it according to law.