Legal analysis: the loan guarantor needs the signature of both husband and wife to confirm, because the guarantee is based on the family property of both husband and wife, and it must be agreed by both parties, and one party's signature cannot be established.

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

Article 299 Some people of * * * and * * * are entitled to the real estate or chattel owned by * * * *.

Article 301 The disposal of real estate or chattel owned by * * *, as well as the major repair, change of nature or use of real estate or chattel owned by * * * * shall be subject to the consent of the owner of * * * or all the owners of * * *, unless otherwise agreed by the owner of * * *.

Article 1064 The debts incurred by both husband and wife for the same signature or by one party afterwards, and the debts incurred by one party in his own name for the daily needs of the family during the marriage relationship, belong to the same debt of husband and wife.