Legal analysis: 1. Set up a joint guarantee team: the joint guarantee team consists of three borrowers who live in the service area of the loan bank and have loan needs. 2. Submit the loan application: the members of the proposed joint guarantee team submit the "Application for Joint Guarantee Loan for Three Households" to the loan bank. 3. Loan qualification review: The loan bank reviews the basic information and loan information of the members of the joint guarantee team. 4. Signing a loan contract: After examination, sign a three-family joint loan contract with the loan unit. 5. Loan issuance and repayment agreement. Three-household joint guarantee loan means that three individual industrial and commercial households or sole proprietorship business owners with business licenses form a joint guarantee team, and they can apply for loans from banks without other guarantees. You only need to bring one original and one copy of the valid identity certificate, marriage certificate and business license of the borrower and his spouse (other merchants also need to bring these materials) to apply for a loan from the bank.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of the loan contract include the loan type, currency, purpose, amount, interest rate, term and repayment method.