The bank loan guarantor must sign and fingerprint. Just signing is not acceptable.

Loan guarantor refers to the agreement between the guarantor and the creditor that when the debtor fails to perform the debt, the guarantor will perform the debt or assume responsibility according to the agreement.

A loan guarantor refers to a legal person, other organization or citizen who has the ability to repay debts as agreed between the guarantor and the creditor, and can serve as a guarantor. Schools, kindergartens, hospitals and other public institutions and social groups with public welfare purposes are not allowed to serve as guarantors. Branches and functional departments of enterprise legal persons shall not be guarantors. No unit or individual may force banks, other financial institutions or enterprises to provide guarantees for others; banks, other financial institutions or enterprises have the right to refuse any act that forces them to provide guarantees for others.

Loan guarantor conditions

1. Have full civil capacity;

2. Have a local urban permanent residence or valid residence status, and have a relatively stable job and income ;

3. The housing provident fund has been paid and deposited normally for more than 6 months and the deposit amount is in the account for more than 1 year;

4. There is no provident fund loan balance and other non-performing debts;

5. The borrower shall not withdraw the housing provident fund or apply for a housing provident fund loan before fully repaying the principal and interest of the loan or canceling the guarantee;

6. The age of the guarantor plus the guaranteed loan term shall not exceed the legal limit retirement age. Natural person guarantees should provide the guarantor's ID card, household registration book, income certificate and housing provident fund account number, and sign a guarantee contract with the trustee bank.

I hope the above content will be helpful to you. If you have any other questions, please consult a professional lawyer.

Legal basis: Article 465 of the Civil Code

A contract established in accordance with the law shall be protected by law. A contract established in accordance with the law is only legally binding on the parties, unless otherwise provided by law.

Article 483

A contract is formed when the commitment takes effect, unless otherwise provided by law or otherwise agreed upon by the parties.

Article 490

If the parties conclude a contract in the form of a contract, the contract shall be established when both parties sign, seal or fingerprint the contract. Before signing, sealing or fingerprinting, one party has performed its main obligations and the contract is established when the other party accepts it. Laws and administrative regulations stipulate or the parties agree that a contract should be concluded in written form. If the parties do not use written form but one party has performed its main obligations and the other party accepts it, the contract is established.