Legal analysis: No, the signing of the guarantee agreement by the parties means that the guarantee agreement has been approved and has come into effect. However, because the loan guarantee is jointly and severally liable for repayment, when it is necessary to bear joint and several liability for repayment, it can only be repaid with the parties' own property. Because this is not a debt borrowed by the parties to live together, but a personal behavior of the parties. As a person with full capacity for civil conduct, he should take responsibility for his own civil conduct.

Legal basis: Article 1064 of the Civil Code of People's Republic of China (PRC) * * * The debts incurred by the husband and wife with the same signature or ratified by one of them afterwards, and the debts incurred by one of them in his own name for the daily life of the family during the marriage relationship, belong to the same debts of the husband and wife. Debts incurred by one spouse in his own name during the marriage relationship that exceed the needs of family daily life are not joint debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's life, production and operation, or based on the same meaning of both husband and wife.