1. Can parents be co-repayers of commercial housing loans?

Parents can serve as co-repayers for housing commercial loans. The specific loan materials and requirements that need to be provided are subject to the bank's regulations.

Enterprises applying for loans must conduct independent accounting and be responsible for their own profits and losses. At the same time, the following conditions must be met:

1. Must obtain an enterprise legal person business license renewed by the Ministry of Industry and Commerce Administration,

2. Obtain a tax registration certificate issued by the tax authority;

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3. Legal person code certificate issued by the State Bureau of Technical Supervision;

4. Loan card issued by the People's Bank of China;

5. A deposit has been opened with the company< /p>

Comply with national policies and laws and abide by credit; the company's asset-liability ratio is in line with the company's marketability, production and operation are profitable, and it has the ability to repay principal and interest on schedule.

Approval document that the superior unit agrees with the enterprise's application for a loan from the company.

Supplementary conditions

1. Complete procedures approved by the competent authorities.

2. The project has good economic benefits and has the ability to repay the loan.

3. This year’s project investment plan has been approved and issued.

4. The construction and production conditions after the project is put into operation have been arranged and implemented.

5. Self-raised funds and other sources of funds in the project investment plan have been implemented.

Extended information:

Repayment method

1. Etc.

That is, the borrower pays equal amounts every month as the equal installment method. Its characteristic is that the monthly repayment of principal and interest is the same, making it easy to make budgets and reducing the initial repayment pressure. However, the initial interest accounts for the majority of the monthly repayment. The proportion of principal in the repayment gradually increases, and the proportion of interest gradually increases. The interest rate is high, but the early repayment pressure is not high.

2. Equal principal repayment method

That is, the borrower repays the principal in equal installments every month. The loan interest decreases with the principal every month, and the repayment amount also decreases every month. Therefore, Again, the interest gradually decreases according to the daily monthly repayment of the loan principal amount. This type of repayment method has low interest rates, but the early repayment pressure is high.