If you want to apply for a student loan, what are the requirements of * * * with the borrower?

The state attaches great importance to students' education, including many aid policies, and student loans are one of them. In the process of applying for a student loan, we are required to provide a repayment partner to ensure the smooth repayment of the loan in the future. Then, when applying for a student loan, what are the requirements for the same lender?

*** In principle, the same lender must be the biological parents or legal guardians of the borrower. * * * The household registration of the same lender must be consistent with the household registration of the borrower's students before they enter school; If the borrower's parents are disabled or sick and lose their labor force or civil capacity, they can be the immediate family members of the borrower as the guarantor.

if the borrower is an orphan, the borrower is another legal guardian, or a natural person with full civil capacity who voluntarily assumes the repayment responsibility with the borrower.

In addition, if a student has obtained a student loan, in principle, he/she can't be the borrower of other borrowing students. If the borrower is not the biological parent of the borrowing student, his/her age should be between 25 and 6 years old. If the contact person is over 6 years old, he/she needs to be replaced.

*** Identification order with the borrower: parents, grandparents or siblings, other relatives or legal guardians.

Students whose household registration is not in the county before enrollment, but whose parents' household registration is in the county, cannot be accepted. Students whose household registration is in the county before enrollment, but whose parents' household registration is not in the county, cannot be accepted.

*** What are the conditions for being a borrower

1. * * * The borrower must meet three conditions: 1. The age is 3 to 6 years old; 2. Have full capacity for civil conduct; 3. The household registration is in the county. II. Identification order of * * * with the borrower: parents, grandparents or brothers and sisters, other relatives or legal guardians. Three, the student's household registration is not in the county before enrollment, but the parents' household registration is in the county, which cannot be accepted. Four, students registered in the county before enrollment, but their parents are not in the county, can not be accepted. Analysis on the legitimacy of the * * * same borrower model I. Analysis on the legitimacy of the * * * same borrower model There is no provision in China that explicitly prohibits the * * * same borrower model in general, whether it is a natural person or a legal person. On the contrary, the general principles of China's civil law have explicit legal provisions for the * * * same borrower model in general. Article 84 of the General Principles of Civil Law stipulates that "debt is a specific relationship of rights and obligations between the parties in accordance with the contract or the law. The person who enjoys the rights is the creditor and the person who has the obligations is the debtor. The creditor has the right to require the debtor to perform its obligations in accordance with the contract or in accordance with the provisions of the law. " Article 87 of the General Principles of Civil Law stipulates that "if there are more than two creditors or debtors, each creditor who enjoys joint and several rights shall have the right to demand the debtor to perform its obligations according to 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 those who have fulfilled their obligations have the right to ask other people with joint and several obligations to pay his share. " In the loan contract, the parent company and the subsidiary company both sign as borrowers, thus, there is a relationship of rights and obligations between the bank and the parent company and subsidiary company, with the bank as the creditor and the parent company and subsidiary company as the debtor. Therefore, it can be determined that in general, the * * * borrower model is in line with the provisions of the general principles of civil law in China. 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 "* * * same borrower" model in bank loan business is not prohibited by our laws.

student loan * * * is the same as the borrower's requirements

what are the conditions for student credit student loan * * * to be the same as the borrower?

1*** The borrower should be the parents of the borrower in principle, but if the parents have special circumstances such as disability, illness or death, they can be replaced by other immediate family members, other legal guardians, or natural persons with full civil capacity who voluntarily share the repayment responsibility with the borrower.

2*** Same as the borrower's household registration

Please click to enter a picture description (up to 18 words)

Both the household registration of the student and the student before entering the school are in the county (city, district).

from the perspective of * * * and the borrower, these conditions are concentrated in the case of local and immediate family members, so this loan is relatively reasonable on the whole. Of course, in the specific operation process, it is operated as follows:

1 Students and new borrowers go to the local county-level funding center and submit the application for change.

2 wait for the relevant staff to verify the identity of the new borrower and confirm whether it meets the requirements.

3 if the new borrower meets the requirements, both parties can re-sign the student loan contract.

what are the conditions for the mortgage * * * to be the same as the repayment person? How to check whether the mortgage has been repaid?

as we all know, buying a house is our main choice, but when it is still not enough, we will consider buying a house by more than one person, and at this time there will be a * * * repayment person. So, what are the conditions for the mortgage to be the same as the repayment person? How to check whether the mortgage has been repaid? Loan amount loan

What are the conditions for the mortgage to be the same as the repayment person?

first of all, the main reason for setting up "* * * co-lender" is to expand the loan amount. At present, many banks require that the monthly repayment amount should not exceed half of the monthly income of the lender when approving housing loans. Another factor worthy of attention is of course the housing provident fund. Couples applying for housing loans together can increase the amount of provident fund loans.

Among them, the borrower of the mortgage generally requires the following conditions:

(1) The age is 3 to 6 years old.

(2) Have a stable job and income, and have the repayment ability.

(3) Good credit record, no overdue record, etc.

(4) can provide proof of relationship with the main lender, such as marriage certificate and household registration book.

how to check whether the mortgage has been repaid? Generally speaking, there are three ways to inquire:

First, the lender can bring his ID card to the personal loan department at the branch of the loan bank

One of the biggest advantages of this is that the lender can not only find out the loan balance, but also let the bank help to print the repayment schedule within one year after the inquiry, so as to clearly understand the loan situation within one year.

2. Inquire through online banking

After online banking is started, the lender can inquire about the loan balance without leaving home. Lenders can usually operate through the path of "personal loan"-"my loan"-"loan inquiry". This method is the easiest. Through online banking, you can not only inquire about the loan balance, but also inquire about repayment records and other information.

3. Inquiring through the customer service telephone of the bank

Lenders can also call the customer service telephone of the lending bank to inquire, but this method can only obtain the single information of the loan balance, and can't know the monthly repayment situation before and after.

what are the conditions for a loan to be repaid by the borrower? How to check whether the mortgage has been repaid? Through the above understanding, we know that the husband and wife have certain advantages in buying a house with loans, but they also need to meet certain conditions when buying a house with loans.

*** The same terms as the repayment person?

if you apply for a mortgage loan to buy a house, if you write the names of two people, then the bank should examine the comprehensive situation of the two people. Generally, the mortgage loan and the repayment person require the following conditions:

1. Have a stable job and income and have the repayment ability. Require the lender and the owner to prove that their income is 1.5 -2 times of the monthly payment, and the bank's running water covers 4 times of the monthly payment.

2. The credit record is good, and there is no overdue record, etc. The credit investigation cannot be overdue for three consecutive times and six times in two years.

3. The borrower must be the spouse or member of the same household, and can provide proof of relationship with the main lender, such as marriage certificate and household registration book.

4. You must have the same loan conditions as the borrower. If the housing provident fund has been continuously paid for not less than six months; There are no housing provident fund repayment debts, and there are no outstanding debts that may affect the repayment of housing provident fund loans.

Extended information:

*** The borrower is generally * * * the borrower thinks that the borrower's repayment ability is insufficient in the bank and there is a possibility that he cannot repay in full and on time, so the borrower is required to find a * * * borrower.

The house purchase contract and loan contract are still signed by you alone, and the property right of the house is still owned by you alone. * * * The co-borrower actually provides guarantee for your mortgage repayment. Once you default on repayment, the bank may ask the co-borrower to repay for you.

*** The same borrower only has the guarantee responsibility and does not enjoy the property right of the house. Provide you with repayment guarantee, not counting his own purchase times.

you need to find someone with higher income and better property status as the co-payer. Because * * * has only obligations and no rights, only close relatives or close friends are willing to take the post.

*** The borrower and the creditor are jointly and severally liable, that is, the creditor can claim all the creditor's rights from any one person, and neither party can oppose the creditor's claims with their internal debt distribution agreement. There are two kinds of guarantees, one is general guarantee and the other is joint guarantee.