To determine whether the borrower changes the purpose of the loan, we should comprehensively consider various factors and make a systematic evaluation: First, compare the purpose of the loan with the agreement in the loan contract. If the agreement is specific and clear, then not using the money according to this purpose constitutes a change of use; If the agreement is not specific, only "working capital loan" or "fixed assets loan" is agreed, then as long as it is used for both, regardless of the specific purpose, it does not constitute a change of loan use.

As a subsidiary contract of the loan contract, the guarantee contract has certain dependence. According to the Guarantee Law, both parties to a loan contract must obtain the written consent of the guarantor if they want to change the contents of the loan contract, otherwise they will be exempted from the guarantee liability. Changing the purpose of the loan is a major change to the contract and should obtain the written consent of the guarantor.

According to the above answers, it can be judged whether the purpose of the loan has changed. If the purpose of the loan does change, and without the consent of the guarantor, the guarantor may no longer assume the guarantee responsibility.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.