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The non-husband and wife co-owners of China Construction Bank are bound by a main card and a payment card, which are not independent. If a co-owner makes a credit report, his credit will directly affect the bank's lending.
The non-husband and wife co-owners of CCB refer to third-party institutions or individuals, which play a role of guarantee and also affect the decentralization of loans.
Does the co-payer have a credit history?
Let's go The co-payer will be inquired about personal credit information and credit information by financial institutions. However, the personal credit report of the co-payer will not reflect the business of the co-payer, that is to say, the personal credit report of the co-payer will have a bad record only when the borrower cannot repay the loan and the co-payer also lacks repayment. Therefore, users must be cautious when they are co-payers of others.
Conditions of co-payer: a good job, a stable job, a high-income family and a good credit record. In the process of mortgage application, ordinary couples are most likely to become loan co-borrower.
Article 3 of the Supreme People's Regulations on Restricting the High Consumption and Related Consumption of the Executed Person, if the executed person is a natural person, he/she shall not engage in the following high consumption and non-life and work-related consumption behaviors after taking consumption restriction measures: (1) When taking transportation, he/she shall choose the second-class cabin of the plane, the soft berth of the train or the ship; (two) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level; (three) the purchase of real estate or new construction, expansion, high-grade decoration of housing; Lease high-grade office buildings, hotels, apartments and other places to work; (5) Purchasing non-essential vehicles; (6) Travel and vacation; (seven) children attending private schools with high fees; (8) Paying high premiums to purchase insurance wealth management products; (9) Non-essential consumption behaviors such as taking all seats of G-prefix EMU trains and seats above the first class of other EMU trains.
Co-borrower, do you have credit?
According to the current regulations, the co-repayers of loans will be inspected and granted credit by banks. The credit information of the co-payer usually does not reflect the loan business with the co-payer. In other words, only when the borrower can't repay the loan and the co-payer can't repay it, the credit information of the co-payer's central bank will leave a bad record. Therefore, when we are co-payers of others, we must be careful.
Tips: The above information is for reference only, subject to the actual loan handling behavior.
Response time: 2021-01-14. Please refer to the latest business changes announced by Ping An Bank in official website.
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Does co-borrower have a credit report?
Co-borrower won't go to the credit bureau. The income flow certificate provided by co-borrower at the time of borrowing is only used by the bank to examine and approve the credit level. The bank will set co-borrower as a related party in the system. Although co-borrower is obliged to repay the loan, it will not be credited.
Co-borrower is very common in bank loan business. The most typical example is in housing mortgage loan, where husband and wife or co-buyers of houses apply for loans from banks as co-borrower. The relevant personal loan system clearly stipulates that co-borrower can be the co-owner of the purchased house or other natural persons who meet the loan requirements. In practical work, the co-owner of the house, as co-borrower, is easy to understand and grasp because of its similarity with co-borrower. However, for other natural persons in co-borrower, the inconsistency between other natural persons and co-borrower often involves many factors, such as motivation and background, as well as complex social and legal relations, information asymmetry and more uncertainty. Therefore, it is necessary to strengthen the prevention of risks arising from this kind of co-borrower.
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.
Will co-borrower go to the credit bureau?
The co-lender belongs to one of the debtors. If the debtor defaults on his debts and meets the requirements of credit investigation, he may conduct credit investigation. If one of the co-lenders has a credit problem, it still can't lend. Under normal circumstances, if one of the co-lenders has a credit problem, it will really cause great uncertainty in the loan application. However, if there is a problem with the credit information, whether one of the co-lenders can pass the audit depends on everyone's actual situation. Among the co-lenders, one person's credit information is very poor, even he is already a black account with credit information and has outstanding debts. If this is the case, then the possibility of successful loan application will be very low. Among the co-lenders, there is a problem with the personal credit information of the main lender, which will have a great impact on the loan application. Therefore, people with good credit information should be the main lenders. Among the co-lenders, one person has a credit report problem, but it is not serious. There may be only a few days overdue records, so there is still a chance to pass the loan review. Article 669 of the Civil Code of People's Republic of China (PRC) concludes a loan contract, and the borrower shall provide the true information about the business activities and financial status related to the loan according to the requirements of the lender. Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays it at maturity and pays interest.