However, no matter what kind of property right certificate is held, either party must obtain the written consent of the other party to dispose of the joint property right, otherwise the other party may sue to declare the sales contract invalid without the consent of the other party.
The difference between buying a house, co-borrower and guarantor.
The differences are as follows:
1. co-borrower for mortgage loans generally requires the following conditions: stable work and income, and repayment ability; Good credit record, no overdue records, etc. ; Can provide proof of relationship with the main lender, such as marriage certificate, household registration book, etc. Of course, the most important thing is that the other party is willing to be your co-payer.
2. Guarantor: According to the provisions of the Guarantee Law, the third party and the creditor agree that when the debtor fails to perform the debt, the guarantor will perform the debt or bear the responsibility as agreed. The third person here is a guarantor, including a legal person, other organization or citizen who has the ability to pay off debts on his behalf.
3. The main difference: co-borrower's creditor's rights and debts are equal. Co-payer is the second source of repayment, only debt has no rights, and it is one of the main debtors. When the first debtor can't pay off the debts of the bank, the bank can directly recover the debts from the second debtor. If the co-repayers are insolvent, the repayment responsibility of the loan guarantor can be investigated after the lawsuit.
4. The establishment of the legal relationship of guarantee is based on the clear intention of the parties to bear the responsibility of guarantee. It is a single, unpaid legal responsibility undertaken by the guarantor according to his special relationship with the debtor, and he has no right to ask the other party to handle the payment. The general guarantor has the right of priority appeal and defense. Generally, before a major contract dispute case is tried or arbitrated, the guarantor may refuse to undertake the guarantee responsibility to the creditor, and the debtor's property cannot be enforced according to law.