Effective.

Lawyer's analysis

Only one signature does not affect the validity of the contract, and the bank loan is still valid.

If the debtor fails to perform the repayment obligation, the guarantor shall bear the corresponding responsibilities within the scope of the guarantee responsibility.

Whether you need to take responsibility depends on the relevant evidence.

legal ground

Article 490 of the Civil Code

If the parties enter into a contract in the form of a contract, the contract shall be established when the parties sign, seal or press their fingerprints.

Before signing, sealing or fingerprinting, one party has fulfilled its main obligations, and the contract is established when the other party accepts it.

A contract shall be concluded in written form as stipulated by laws, administrative regulations or agreed by the parties. If the parties do not do this in writing, but one party has fulfilled its main obligations and the other party accepts it, the contract is established.