Co-lenders are very common in bank loan business. The most typical example is that in the housing mortgage loan, the husband and wife or the co-purchaser of the house apply for a loan from the bank as a co-lender. The relevant personal loan system clearly stipulates that the co-lender can be the co-owner of the purchased house or other natural persons who meet the loan conditions.

In practical work, as a co-lender, the co-owner of the house is easy to understand and grasp because of the similarity between the co-owner and the co-lender. However, for other natural persons as co-lenders, the inconsistency between other natural persons and co-lenders often involves many factors such as motivation and background, as well as complex social and legal relations and information asymmetry, which leads to more uncertainty. Therefore, it is necessary to strengthen the prevention of risks arising from such co-lenders.

A co-lender 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.

Two. Identification order of co-lenders: parents, grandparents or siblings, other relatives or legal guardians.