The state attaches great importance to the education of students, including many aid policies, and student loans are one of them. In the process of applying for a student loan, we need to provide a co-payer to ensure the smooth repayment of the loan in the future. Then, when applying for student loans, what are the requirements for co-lenders?
In principle, the co-lender must be the borrower's biological parents or legal guardians. The household registration of the co-lender must be consistent with the household registration of the borrower's students before enrollment; If the borrower's parents are disabled or sick and lose their labor or civil capacity, they can act as immediate family members of the borrower as co-guarantors.
If the borrower is an orphan, co-borrower is another legal guardian or a natural person with full civil capacity who voluntarily shares the repayment responsibility with the borrower.
In addition, if a student gets a student loan, in principle, he can't be the co-borrower of other borrowing students. If co-borrower is not the biological parents of the borrowing students, his age should be between 25 and 60. If the common interface person is over 60 years old at the time of processing, co-borrower needs to be replaced.
Co-borrower's identification order: parents, grandparents or siblings, other relatives or legal guardians.
Students whose household registration is not in the county before enrollment, but whose parents are registered in the county, cannot be admitted. Students whose household registration is in the county before enrollment, but whose parents' household registration is not in the county, cannot be admitted.
What are the conditions in co-borrower?
First of all, co-borrower must meet three conditions: 1, aged between 30 and 60; 2. Have full capacity for civil conduct; 3. The household registration is in the county. Second, the order of identification of co-borrower: parents, grandparents or brothers and sisters, other relatives or legal guardians. Three, the student's household registration is not in the county before enrollment, but the parents' household registration is in the county, and can not be admitted. Four, students registered in the county before enrollment, but their parents are not in the county, can not be admitted. Analysis of the legitimacy of co-borrower model I. Analysis of the legitimacy of co-borrower model Our country does not stipulate that co-borrower model is prohibited under general circumstances, whether it is a natural person or a legal person. On the contrary, China's General Principles of Civil Law has clear legal provisions on the general co-borrower model. Article 84 of the General Principles of Civil Law stipulates: "Debt is a specific relationship of rights and obligations between the parties in accordance with the contract or the law. The obligee is the obligee, and the obligor is the debtor. The creditor has the right to require the debtor to perform the debt according to the contract or in accordance with the law. " Article 87 of the General Principles of Civil Law stipulates: "If there are more than two creditors or debtors, each creditor with joint rights has the right to require the debtor to perform his obligations in accordance with the provisions of the law or the agreement of the parties; Every debtor with joint and several obligations has the obligation to pay off all debts, and the person who has fulfilled his obligations has the right to ask other people with joint and several obligations to pay off his share. " In the loan contract, the parent company and its subsidiaries are jointly signed as borrowers. Therefore, there is a relationship of rights and obligations between the bank and the parent company and its subsidiaries. The bank is the creditor and the parent company and its subsidiaries are the debtors. Therefore, it can be concluded that, under normal circumstances, the co-borrower model conforms to the provisions of the General Principles of Civil Law. In addition, the General Rules for Loans of the People's Bank of China itself does not stipulate the number of borrowers, that is, the General Rules for Loans does not prohibit the existence of more than two borrowers in the same loan, so in general, the "co-borrower" model in bank loan business has not been prohibited by Chinese laws.
Co-borrower Requirements for Student Loans
What are the conditions for co-borrower to apply for a student-origin credit loan?
1 co-borrower should be the parents of the borrowing students in principle, but if the parents have special circumstances such as disability, illness or death, they can be replaced by other immediate family members, other legal guardians or natural persons with full civil capacity who voluntarily share the repayment responsibility with the borrowing students.
2 co-borrower household registration
Please click to enter the picture description (maximum 18 words).
Registered in the county (city, district) before entering school with the students themselves.
From co-borrower's point of view, these conditions are concentrated in the case of local and immediate family members, so this kind of loan is generally reasonable. Of course, in the specific operation process, it operates like this:
1 Students and the new co-borrower go to the local county-level funding center to submit the change application.
2 Wait for the relevant staff to verify the identity of the new co-borrower and confirm whether it meets the requirements.
If the new co-borrower meets the requirements, both parties can re-sign the student loan contract.
What are the conditions of the co-payer of the mortgage loan? How to check whether the mortgage has been paid off?
As we all know, buying a house now is our main choice, but when it is still not enough, we will consider buying a house by many people, and at this time there will be co-payers. So, what are the conditions of mortgage loan in co-borrower? How to check whether the mortgage has been paid off? Loan line loan
What are the conditions of the co-payer of the mortgage loan?
First of all, the main reason for setting up the "co-borrower" is to expand the loan amount. At present, many banks require that the monthly repayment amount should not exceed half of the lender's monthly income when approving housing loans. Another factor worthy of attention is of course the housing provident fund. Couples applying for housing loans together can increase the amount of provident fund loans.
Among them, the co-repayment of mortgage loans generally requires the following conditions:
(1) The age ranges from 30 to 60.
(2) have a stable job and income, and have the ability to repay.
(3) Good credit record and no overdue record.
(4) can provide proof of relationship with the main lender, such as marriage certificate and household registration book.
How to check whether the mortgage has been paid off? Generally speaking, there are three ways to query:
First of all, the lender can personally go to the personal loan department of the loan bank outlet with his ID card.
One of the biggest benefits of this is that the lender can not only know the loan balance, but also ask the bank to help print the repayment schedule within one year after the inquiry, so as to clearly understand the loan situation within one year.
2. Inquire through online banking
Lenders can check the loan balance without leaving home after opening online banking. Lenders can usually operate through the path of "personal loan"-"my loan"-"loan inquiry". This method is the simplest. Through online banking, you can not only inquire about the loan balance, but also inquire about repayment records and other information.
Third, through the bank customer service telephone inquiry.
Lenders can also call the customer service phone of the loan bank to inquire, but this method can only obtain the single information of the loan balance, and can't know the monthly repayment situation before and after.
What are the conditions in co-borrower? How to check whether the mortgage has been paid off? Through the above understanding, we know that husband and wife have certain advantages in buying a house with joint loans, but they also need to meet certain conditions when buying a house together.
What are the conditions of co-payer?
Buying a house with a mortgage, if you write the names of two people, then the bank should examine the comprehensive situation of two people. Co-payers of mortgage loans usually need to meet the following conditions:
1, with stable work and income and repayment ability. The income of the lender and co-owner is required to be 0.5 -2 times of the monthly payment of 65438+, and the monthly running water of the bank covers 4 times of the monthly payment.
2. Good credit record and no overdue records. You can't have three consecutive overdue times and six overdue times in two years.
3. Must be the spouse of the borrower or a member of the same household, and can provide proof of relationship with the main lender, such as marriage certificate and household registration book.
4, must have the same loan conditions as the borrower. Continuous payment of housing provident fund for not less than six months; There is no housing provident fund repayment debt, and there is no outstanding debt that may affect the repayment of housing provident fund loans.
Extended data:
The co-payer, that is, the general co-payer among the co-borrowers, thinks that the borrower's repayment ability is insufficient and there is the possibility that he can't repay in full and on time, so he asks the borrower to find a co-payer.
The purchase contract and loan contract are still signed by you, and the property rights of the house are still owned by you. The co-payer actually provides a guarantee for your mortgage repayment. Once you are in arrears, the bank can ask the co-payer to repay for you.
The co-payer only bears the guarantee responsibility and does not enjoy the property right of the house. Provide you with repayment guarantee, not counting his own purchases.
You need to find someone with higher income and better property status as a co-payer. Because co-payers have only obligations but no rights, generally only close relatives or friends are willing to serve.
Co-borrower is jointly and severally liable to the creditor, that is, the creditor can claim all the creditor's rights from any one person, and neither party can oppose the creditor's rights with its internal debt distribution agreement. There are two kinds of guarantee, one is general guarantee, and the other is joint guarantee.