What are the application conditions for the joint loan of ABC?
1 The borrower is a natural person with full capacity for civil conduct, and his age is not less than 18 and not more than 60.
2 The house purchased by refinancing is owned by one party or jointly owned by both parties, and both parties apply for loans as borrowers.
3. To apply for a loan from Lian Xin, the buyers listed in the house sales contract shall be both men and women, and the houses purchased shall be owned by both parties. Both men and women can apply for loans as the same borrower, or one can apply for loans separately. If one party applies for a loan separately, the other party, as the guarantor of joint liability, shall bear the joint liability guarantee during the loan period.
4. The borrower and guarantor have good credit status.
5. The score of the borrower's loan application this time meets the personal housing loan access standard. If both parties apply for loans at the same time, at least one party's application score meets the individual housing loan access standard.
6. Other conditions for handling individual housing loans.
Agricultural Bank joint loans mainly include relay loans and heart-to-heart loans:
1 Relay loan refers to the housing loan applied by the borrower and any one of the parents (including parents-in-law, parents-in-law, the same below) and children/women as the same borrower to extend the loan period or enhance the repayment ability.
Lian Xin loan refers to the housing loan applied by both parties or one party to clarify the ownership of premarital property or enhance repayment ability.
The specific application process and detailed rules for the joint loan of Agricultural Bank of China have yet to be officially announced. If there is demand, you can consider it. But note that both * * * and the borrower have the responsibility and obligation to repay.