The requirement of joint loan is that the lender should have the ability to repay risks, have a good reputation and have no record of non-performing loans violations, and the personal credit record of the People's Bank of China has no record of non-performing loans violations. For the guarantor, it is required to have certain assets and stable income, preferably teachers, doctors and other institutions and civil servants, and the bank is relatively loose in such approval.

The situation of joint loan is mainly because the main lender fails to meet the approval conditions when applying separately, and the bank will ask more lenders to lend money. Joint loans are a little tired like guarantees. For example, when a mother buys a house (the real estate license says mother), when applying for a loan, because the mother's age, income and other conditions can't meet the requirements of the mortgage loan amount (for example, she can approve 500,000 yuan, but she is only qualified to approve 300,000 yuan when she lends herself). At this time, because her son has a relatively stable job and high income, the bank will ask her son to be a joint lender and let her approve 500,000 yuan here. As a joint lender, the son is actually the guarantor of the mother's loan.