Among the co-lenders, one person's credit information is very poor, and even he is a black account of credit information, and he still has outstanding debts. If so, 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 problem, but it is not serious. There may be only a few days overdue records, so there is still a probability of passing the loan review.
In addition to the credit information of the co-lenders of both parties, whether it can pass the audit is also related to the bank's risk control policy. In a bank with a relatively loose risk control policy, one of the co-lenders has a problem with credit reporting and has a greater chance of successfully passing the audit.
Legal basis: Article 5 18 of the Civil Code of People's Republic of China (PRC), if there are more than two creditors, some or all creditors can request the debtor to perform the debt, it is a joint creditor's right; If there are more than two debtors, and the creditor can request some or all debtors to perform all the debts, it is a joint debt.
Joint creditor's rights or joint debts shall be stipulated by law or agreed by the parties.