When applying for a mortgage loan to buy a house, if the name of two people is written, the bank will examine the comprehensive situation of the two people. The mortgage loan owner and the repayer generally require the following conditions:

1. Have a stable job and income, and have the ability to repay. The income of the lender and the banker is required to prove to be 1.5 times to 2 times of the monthly payment, and the bank's monthly flow of cash covers 4 times of the monthly payment.

2. Good credit record, no overdue record, etc. The credit report cannot be overdue three times in a row and six times in two years.

3. Must be the borrower’s spouse or member of the same household and be able to 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. For example, the housing provident fund has been paid continuously for not less than six months; there is no housing provident fund loan repayment debt, and there are no other debts that have not been paid off and may affect the housing provident fund loan repayment.

Extended information:

***Same repayer means ***Same borrower generally***Same repayer means that the bank believes that the borrower's repayment ability is insufficient , there is a possibility that the loan cannot be repaid in full and on time, so the borrower is required to find a co-payer.

The house purchase contract and loan contract are still signed by you alone, and the property rights are still owned only by you. The co-payer actually provides guarantee for your mortgage repayment. Once you default on the repayment, the bank can require the co-payer to repay the loan for you.

***The repayer only has guarantee liability and does not enjoy the property rights of the house. Providing you with a repayment guarantee does not count towards his own home purchases.

You need to find someone with a higher income and better property status as the co-repayer. Since the co-payer has only obligations but no rights, generally only close relatives or close friends are willing to take on the role.

***Both the borrower and the creditor are jointly and severally liable, that is, the creditor can claim all the creditor's rights from any one person, and neither party can rely on their internal liability for the debt. Distribution Agreements Confront Creditor Claims. There are two types of guarantees, one is general guarantee and the other is joint guarantee.

Baidu Encyclopedia-*** Same borrower