Legal analysis: if you can't find a guarantor for the loan, you can find a guarantee company designated by the bank to guarantee it. Guarantor refers to a legal person, other organization or individual who has the ability to pay off bill debts on his behalf. The guarantor and the guaranteed bear the same responsibility. Branches and functional departments of state organs, institutions, social organizations and enterprise legal persons shall not act as guarantors.
Legal basis: Article 241 of the Civil Law of People's Republic of China (PRC), the owner has the right to establish usufructuary right and security right on his own real or movable property. When exercising their rights, the usufructuary right holder and the security right holder shall not harm the rights and interests of the owner.