1, with stable work and income and repayment ability. The income of the lender and co-owner is required to be 0.5 -2 times of the monthly payment of 65438+, and the monthly running water of the bank covers 4 times of the monthly payment.
2. Good credit record and no overdue records. You can't have three consecutive overdue times and six overdue times in two years.
3. Must be the spouse of the borrower or a member of the same household, and can provide proof of relationship with the main lender, such as marriage certificate and household registration book.
4, must have the same loan conditions as the borrower. Continuous payment of housing provident fund for not less than six months; There is no housing provident fund repayment debt, and there is no outstanding debt that may affect the repayment of housing provident fund loans.
Extended data:
The co-payer, that is, the general co-payer among the co-borrowers, thinks that the borrower's repayment ability is insufficient and there is the possibility that he can't repay in full and on time, so he asks the borrower to find a co-payer.
The purchase contract and loan contract are still signed by you, and the property rights of the house are still owned by you. The co-payer actually provides a guarantee for your mortgage repayment. Once you are in arrears, the bank can ask the co-payer to repay for you.
The co-payer only bears the guarantee responsibility and does not enjoy the property right of the house. Provide you with repayment guarantee, not counting his own purchases.
You need to find someone with higher income and better property status as a co-payer. Because co-payers have only obligations but no rights, generally only close relatives or friends are willing to serve.
Co-borrower is jointly and severally liable to the creditor, that is, the creditor can claim all the creditor's rights from any one person, and neither party can oppose the creditor's rights with its internal debt distribution agreement. There are two kinds of guarantee, one is general guarantee, and the other is joint guarantee.
Baidu Encyclopedia-co-borrower