The debtor or beneficiary benefits from the promise described in the obligation. Both the principal and the guarantor sign the loan; The debtor does not do so. Nevertheless, the debtor also has obligations arising from the obligation. If the debtor fails to comply with its obligations under the contract, neither the principal nor the guarantor shall be bound. The loan is not an insurance policy. It offers only an additional financial resource behind the contractor, a place where it can turn if the contractor cannot fulfil contractual obligations through its own assets. .