2.* * * To meet the repayment conditions, you must have a certain income, and you must also provide income source vouchers and bank running bills, and whether your personal credit record is good.
3. The lender must be the husband and wife or parents of the borrower, and the sum of the monthly income of the lender and the borrower is more than twice the monthly repayment amount.
4. Must have the same loan conditions as the borrower. For example, the continuous payment of housing provident fund cannot be less than six months, there is no housing provident fund to repay debts, and there is no outstanding debt, which may affect the repayment of debts such as housing provident fund loans.
In the bank's housing loan contract, only one of the husband and wife is generally designated as the "lender", and the other party can be regarded as the "* * * lender". For "* * * and the Lender", it is not only required to be the immediate family members of the Lender (husband and wife, children and parents), but also to be one of the owners of the mortgaged property with the housing loan. However, this article is an exception for husband and wife. Even if there is only one husband and wife's name on the real estate license, the other party can also be the "* * * lender" of the housing loan. For example, Ms. Liu Can still applied to be the "* * * lender" of the house loan even though the title certificate of the house purchased by Mr. and Mrs. Liu only has Mr. Liu's name.
Mortgage is the same as the borrower's responsibility.
* * * Co-repayment refers to the second repayment when the borrower is unable to repay the principal and interest of the bank, and it is one of the main debtors with only debts but no rights. * * * The same liquidator shall be jointly and severally liable for debts.
Creditors may claim all the creditor's rights from anyone, and no party may reach an agreement on the distribution of debts to safeguard the creditor's rights. This means that creditors can ask any borrower to repay their debts.
Article 178 of the General Principles of the Civil Law stipulates that if two or more persons are jointly and severally liable according to law, the creditor has the right to request the person who is jointly and severally liable to bear all or part of the liability.
The responsibility sharing of those who are jointly and severally liable shall be determined according to their respective responsibilities; It is difficult to determine the size of the responsibility and bear the same responsibility.
A person who is jointly and severally liable for more than his share of liability has the right to recover from other persons who are jointly and severally liable. Joint liability is stipulated by law or agreed by the parties.