Most people who choose to serve as a co-applicant or a co-signer do not know the difference between the two. Co-borrowers, co-signers, co-applicants and co-owners have different legal and financial responsibilities. Depending on the role you have chosen, your responsibility towards loan repayment will vary too. Therefore, one must make themselves aware of the differences between these various roles so that one can make right decisions regarding what role they can play efficiently.
Who is a Co-Applicant?
A co-applicant is an individual who shares full responsibility for loan repayment. For instance, if Mr A and Mrs B have taken a loan together and are co-applicants on a loan, the responsibility of servicing Home Loan EMIs falls both on Mr A and Mrs B. To avoid any legal disputes, lenders generally ask all co-owners to serve as co-applicants. However, if a co-owner wants, they can refuse to be a co-applicant.
Individuals who wish to avail themselves of a Home Loan must meet their lender’s qualifying criteria. In other words, they must have a stable income, a stable job, a CIBIL score of 750 or above, etc. If an individual does not meet a lender’s qualifying criteria for a loan, their application gets rejected. In this case, to enhance their Home Loan eligibility and become eligible for a Home Loan, borrowers can consider adding a co-applicant with an excellent credit and income profile. Here are two things that people must know if they plan to serve as a co-applicant on someone’s Home Loan:
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Co-applicants who are not co-owners do not have any legal right over the property against which the loan has been taken.
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Co-applicants who are not co-owners cannot claim tax benefits available to Home Loan borrowers under various sections of the Income Tax Act.
Who is a Co-Borrower?
A co-borrower is a person who is as responsible for loan repayment as the original borrower. If one avails of a Home Loan and adds a co-borrower, it is the primary applicant who services the Home Loan EMIs. However, if for some reason, the primary applicant finds it difficult to pay their EMIs or in the case of the demise of the primary applicant, it becomes the responsibility of the co-borrower to pay the Home Loan EMIs. Not everyone can serve as a co-borrower; lending institutions have guidelines regarding who can serve as a co-borrower on a Home Loan. For instance, most lending institutions do not allow parents to co-borrow a loan with an unmarried daughter as this can lead to property-related disputes in the future. In general, most people choose to add their partner, child, or an immediate relative as a co-borrower.
If you are planning to accept to be a co-borrower on someone’s loan, here are a few things you must keep in mind:
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Since you are a co-borrower, your credit and income profile will have an impact on the primary borrower’s ability to avail of a loan. If you have an excellent credit score and a stable job and income, the probability of the primary borrower availing of the loan on beneficial terms and conditions will increase too.
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Co-borrowers are not necessarily always co-owners. However, co-borrowers who are also co-owners can claim tax benefits under Section 80C and Section 24b of the Income Tax Act and maximize their tax savings.
Who is a Co-Owner?
Who is a Co-owner? A co-owner is a person who has a legal share in a property. However, if they do not choose to become a co-borrower, they are not legally responsible for repaying the loan money. However, if an individual borrows money against a property and fails to repay it, they stand to lose the ownership of the property and in this case, a co-owner who is not even a co-borrower may have to come forward and help with loan repayment to protect the property in question. It is thus that if one is taking a Home Loan or a loan against property, it is quite likely that the lender will ask all co-owners to serve as co-borrowers on the loan. If co-owners do not wish to sign up as co-borrowers, they must at least provide it in writing that they do not have any objection against the primary applicant borrowing money as a loan. Lending institutions do this to ensure there are legal hassles involved at a later stage.
Who is a Co-Signer?
As mentioned previously in this article, an individual must meet their lender’s Home Loan eligibility criteria if they wish to avail themselves of a loan. If a person has a low credit score and if the lender feels the risk involved for them in lending money to the loan applicant is too high, they might ask the loan applicant to add a co-signer. A co-signer has no legal rights over the property. However, the co-signer is responsible for loan repayment in case of a loan default or if the primary applicant finds themselves unable to repay the loan money. Having a co-signer with excellent credit standing can help one avail of a loan at low-interest rates. It can also help a person avail of larger sanctions and request a loan tenor that works best for them.
Final Words
The article distinguishes between co-owner, co-borrower, co-applicant, and co-signer in loan applications. A co-owner shares ownership of the property, a co-borrower shares financial responsibility for the loan, a co-applicant applies jointly for the loan, and a co-signer guarantees repayment if the primary borrower defaults.
DISCLAIMER:
While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent errors or delays in updating the information. The material contained in this website and on associated web pages, is for reference and general information purposes, and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. Neither Bajaj Housing Finance Limited nor any of its agents/associates/affiliates shall be liable for any act or omission of the Users relying on the information contained on this website and on associated web pages. In case any inconsistencies are observed, please click on contact information.
Frequently Asked Questions
Yes, if the primary borrower defaults on loan repayment, the CIBIL score of the co-signer will come down too. It is, thus, that individuals must think carefully before choosing to be a co-signer or co-borrower and also keep track of payments if they decide to play these roles.
No, if you are a co-applicant but not a co-owner, you cannot claim Home Loan tax benefits.
If you are a co-signer and not a co-owner, you won’t have any legal right over the property against which the loan has been taken.
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An Essential Guide to Refinancing a Home Loan2024-04-22 | 5 Min
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10 Factors That Affect Your Home Loan Eligibility2024-05-21 | 7 min
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Understanding Stamp Duty and Property Registration Charges2024-03-13 | 5 min
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Should I Apply for a Pre-Approved Home Loan or an After Property Finalisation Loan?2024-03-15 | 5 min
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How to Connect with Bajaj Housing Customer Care2023-06-27 | 5 Min
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How to Access Your Login Details in Bajaj Customer Portal?2024-02-02 | 5 min
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Home Loan Burden Management: Five Tips2022-06-27 | 3 min
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A Complete Guide on the Benefits of Joint Home Loan2022-11-16 | 5 min
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How to Calculate Home Loan EMIs2022-06-14 | 5 Mins
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Making Financial Planning Easy with a Home Loan EMI Calculator2023-09-06 | 2 min
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All You Should Know About Home Loan Disbursement and Sanctioning Process2024-03-19 | 3 Min
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How Do You Overcome Home Loan Repayment Burden?2023-02-13 | 2 min
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Best Credit Score for Home Loans & How to Improve Yours2023-08-31 | 6 min
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Home Loan vs Loan Against Property: A Complete Comparison2023-11-29 | 4 min
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A Complete Guide for Home Loan Insurance2023-04-03 | 4 min
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What Are the Pros and Cons of Home Loan Balance Transfer?2023-02-01 | 4 min
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How to Check Your Bajaj Housing Finance Home Loan Status2022-06-22 | 4 Min
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Benefits of a Home Loan2023-02-20 | 4 min
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Is It Mandatory to Take Insurance with a Home Loan?2023-08-01 | 5 min
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Secured vs Unsecured Loan - Know the Difference2023-08-24 | 2 min
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How to Choose the Best Home Loan?2023-08-09 | 4 min
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Difference Between Bank Rate and Repo Rate2023-09-22 | 5 min
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Increase or Decrease Effects of Repo Rate2023-08-29 | 7 min
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Understanding the Benefits of a Home Loan EMI Calculator2023-07-12 | 5 min
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Tips to Avoid Rejection of Your Home Loan Application2023-08-01 | 3 min
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Check Housing Loan Eligibility with Home Loan Eligibility Calculator2023-07-12 | 5 min
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Tips to Get Home Loan with Minimum Down Payment in India2023-07-11 | 5 min
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Factors That Determine Your Home Loan Eligibility2023-07-24 | 8 min
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Differences Between Repo Rate and Monetary Policy Tools2023-07-28 | 5 min
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What Happens to a Home Loan in the Case of the Borrower's Death?2023-04-17 | 4 min
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Taking a Home Loan to Buy a Property for Investment? Here Are 5 Points to Consider2023-04-17 | 5 min
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Know All About the HRA Benefit on Payment of House Rent2023-04-03 | 6 min
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A Guide to Statutory Liquidity Ratio2023-02-22 | 5 min
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Get Your Down Payment Funds Ready with These 5 Easy Steps2023-03-20 | 5 min
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5 Strategies to Manage High Home Loan EMIs Effectively2023-02-22 | 6 min
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Why Is Credit Score Important for Home Loan Lenders?2023-03-21 | 5 min
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Importance Of a Good Credit Score in The Home Loan Process2023-03-20 | 4 min
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Home Loan EMI Calculator Benefits and It’s Features2023-02-21 | 4 min
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4 Key Benefits of Home Loan Balance Transfer to Bajaj Housing Finance Limited2023-01-09 | 5 min
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Five Important Factors to Keep in Mind When Prepaying Your Home Loan2023-01-17 | 6 min
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A Step-by-Step Guide to Home Loan Balance Transfer Application2022-12-20 | 6 min
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Factors to Consider Before Opting for Home Loan Balance Transfer2022-12-14 | 5 min
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Top Things to Keep Track of While Doing a Home Loan Balance Transfer2022-12-18 | 7 min
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Smart Things to Consider Before You Apply for a Home Loan2022-12-14 | 5 min
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Factors to Consider Before Applying for a Home Construction Loan2022-12-02 | 5 min
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6 Point Differentiation Between Home Loan Vs Home Construction Loan2023-02-15 | 6 min
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Which is the Best Option: Land Purchase Loan or Home Loan?2023-02-01 | 6 min
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10 Reasons Why a Housing Loan Application May Be Rejected2023-02-20 | 3 min
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Why Should You Choose a Balance Transfer on Your Home Loan?2023-02-01 | 4 min
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What Factors Decide Your Home Loan Interest Rates?2023-05-29 | 6 min
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The Importance of a Home Loan NOC2023-01-31 | 7 min
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Five Tips to Choose the Right Digital Platform for Home Loans2023-02-09 | 3 min
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[N][T][T]Types[S]of[S]Home[S]Loans[S]Available[S]in[S]India[N][T]
Types of Home Loans Available in India2022-06-28 | 5 Min
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How to Pick the Best Home Loan Tenor that Suits Your Budget