If there is a loan record, the borrower is the debtor, and if there are more than two debtors, they are joint debtors and share the obligations according to the determined share. Every debtor who is jointly and severally liable has the obligation to pay off all debts, and the person who has fulfilled the obligation has the right to ask other persons who are jointly and severally liable to pay his share.

Article 84 of the General Principles of Civil Law stipulates that debt is a specific relationship of rights and obligations between the parties according to the contract or the law. The obligee is the obligee, and the obligor is the debtor.

The creditor has the right to require the debtor to perform its obligations in accordance with the contract or according to law. Article 85 A contract is an agreement between the parties to establish, change or terminate a civil relationship. Contracts established according to law are protected by law.

Extended Information co-borrower can be the co-owner of the purchased house or other natural persons who meet the loan conditions. In practical work, the co-owner of a house, co-borrower, is easy to understand and grasp because of its similarity with co-borrower.

However, for other natural persons in co-borrower, the inconsistency between other natural persons and co-borrower often involves many factors such as motivation and background, as well as complex social and legal relations, information asymmetry and many uncertainties. Therefore, it is necessary to strengthen the prevention of such co-borrower risks.

Baidu Encyclopedia-co-borrower