First, if the borrower is unable to repay, you have the responsibility to urge him to repay as soon as possible. If the borrower is really unable to repay, and the repayment date has passed a certain period, your family, that is, the guarantor, will be responsible for repayment, and you can still recover the loss and repayment amount from the borrower. Generally speaking, the person who asked your father for a loan is still unable to repay it. You have to pay it back, but you can ask the lender to recover the money you paid for him. )

Second, whether the guarantee agreement signed by one of the husband and wife can represent the whole family, if the insured (your mother) doesn't know, and your father signed the guarantee agreement instead of him, then the content about your mother in this guarantee agreement is invalid. But your father's promise still stands.

Third, the guarantor has no influence on any future lending behavior.