Legal subjectivity:

Being sued by others will generally not affect the loan, but if the party is enforced, it will affect the bank's ability to review the borrower. According to the regulations, the conditions that parties must meet for borrowing money include: having full capacity for civil conduct, having the ability to repay the loan, and having no record of bad behavior, etc. Legal objectivity:

Article 388 of the "People's Republic of China and Civil Code" to establish a security interest shall conclude a security contract in accordance with the provisions of this Law and other laws. Guarantee contracts include mortgage contracts, pledge contracts and other contracts with guarantee functions. The guarantee contract is a subordinate contract to the main creditor's rights and debts contract. If the principal creditor's rights and debts contract is invalid, the guarantee contract shall be invalid, except as otherwise provided by law. After the guarantee contract is confirmed to be invalid, if the debtor, guarantor and creditor are at fault, they shall each bear corresponding civil liability based on their faults.