{"id":9144,"date":"2021-07-28T11:43:00","date_gmt":"2021-07-28T11:43:00","guid":{"rendered":"https:\/\/cn.abacusfinance.com.au\/?p=9144"},"modified":"2022-02-11T02:23:09","modified_gmt":"2022-02-11T02:23:09","slug":"%e8%b4%b7%e6%ac%be%e4%b8%ad%e7%9a%84co-borrower%e5%92%8cguarantor%e6%98%af%e4%bb%80%e4%b9%88","status":"publish","type":"post","link":"https:\/\/cn.abacusfinance.com.au\/%e8%b4%b7%e6%ac%be%e4%b8%ad%e7%9a%84co-borrower%e5%92%8cguarantor%e6%98%af%e4%bb%80%e4%b9%88\/","title":{"rendered":"\u6fb3\u6d32\u8d37\u6b3e\u4e2d\u7684co-borrower\u548cguarantor\u60a8\u4e86\u89e3\u591a\u5c11\uff1f"},"content":{"rendered":"\n<p id=\"\u5168\u6587\u5bfc\u89c8\">\u5168\u6587\u5bfc\u89c8\uff1a<\/p>\n\n\n\n<p>\u5728\u8d37\u6b3e\u4e2d\uff0c\u5f88\u591a\u4eba\u53ef\u80fd\u4f1a\u5bf9<strong>co-borrower\u548cguarantor<\/strong>\u4e86\u89e3\u4e0d\u591a\uff0c\u4ee5\u81f3\u4e8e\u5bf9\u4e8c\u8005\u7684\u8ba4\u77e5\u5f88\u6a21\u7cca\u3002<\/p>\n\n\n\n<p>\u4f5c\u4e3a\u5ba2\u4eba\u7684\u60a8\uff0c\u4e5f\u8bb8\u5f88\u591abroker\u8bf4\u5230co-borrower\u548cguarantor\u4f1a\u76f4\u63a5\u7edf\u79f0\u4e3aco-borrower\uff0c\u56e0\u4e3a\u5bf9\u4e8e\u914d\u5076\u5171\u540c\u5730\u8d37\u6b3e\u7533\u8bf7\u8fd9\u79cd\u60c5\u51b5\u4e0b\uff0c\u4e8c\u8005\u533a\u522b\u4e0d\u662f\u5f88\u5927\uff0c\u4f46\u8fd8\u662f\u6709\u533a\u522b\u7684\u3002<\/p>\n\n\n\n<p>\u6240\u4ee5\uff0c<strong>\u534e\u745e<\/strong>\u4eca\u5929\u7ed9\u5927\u5bb6\u79d1\u666e\u4e00\u4e0b\uff1a<\/p>\n\n\n\n<ul><li><strong><a href=\"#none-explanation\">co-borrower\u548cguarantor\u7a76\u7adf\u662f\u4ec0\u4e48\uff1f<\/a><\/strong><\/li><li><strong><a href=\"#what-is-the-differences-between\">\u592b\u59bb\u53ea\u6709\u4e00\u4e2a\u4eba\u7684\u540d\u5b57\u5728\u623f\u4ea7\u4e0a\uff0c\u5176\u4e2d\u4e00\u4e2a\u4eba\u505aco-borrower\u548cincome guarantor\u7a76\u7adf\u6709\u4ec0\u4e48\u533a\u522b\uff1f<\/a><\/strong><\/li><li><strong><a href=\"#do-we-need-clearly-consideration\">\u5728\u8003\u8651\u6210\u4e3aco-borrower\u548cincome guarantor\u524d\u662f\u5426\u9700\u8c28\u614e\uff1f<\/a><\/strong><\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u540d\u8bcd\u89e3\u91ca\">\u540d\u8bcd\u89e3\u91ca<\/h2>\n\n\n\n<p><strong>#&nbsp;<\/strong><strong>Main borrower\uff1a<\/strong><\/p>\n\n\n\n<p id=\"none-explanation\">\u4e3b\u8981\u8d37\u6b3e\u7533\u8bf7\u4eba\u3002<\/p>\n\n\n\n<p><strong>#<\/strong><strong>Guarantor\uff1a<\/strong><\/p>\n\n\n\n<p>\u5bd3\u610f\u4e3a\u62c5\u4fdd\u4eba\uff0c\u5373\u7b2c\u4e09\u4eba\u548c\u503a\u6743\u4eba\u7ea6\u5b9a\uff0c\u5f53\u503a\u52a1\u4eba\u4e0d\u5c65\u884c\u503a\u52a1\u65f6\uff0c\u4fdd\u8bc1\u4eba\u6309\u7167\u7ea6\u5b9a\u5c65\u884c\u503a\u52a1\u6216\u8005\u627f\u62c5\u8d23\u4efb\uff0c\u8fd9\u91cc\u7684\u7b2c\u4e09\u4eba\u5373\u62c5\u4fdd\u4eba\u3002\uff08\u6211\u4eec\u4eca\u5929\u6240\u8bf4\u7684Guarantor\u62c5\u4fdd\u6307\u7684\u662f\u8d37\u6b3e\u7684\u6536\u5165\u62c5\u4fdd\uff0c\u53ea\u9650\u4e8e\u914d\u5076\u4e4b\u95f4\uff0c\u8fd9\u91cc\u6e29\u99a8\u63d0\u793a\u4e0d\u8981\u548cfamily guarantee\u641e\u6df7\uff0c\u540e\u8005\u662f\u63d0\u4f9b\u4e70\u623f\u8d44\u91d1\u62c5\u4fdd\u3002\uff09<\/p>\n\n\n\n<p><strong>#<\/strong><strong>Income guarantor:<\/strong><\/p>\n\n\n\n<p>\u6536\u5165\u62c5\u4fdd\u4eba\uff0c\u662f\u62c5\u4fdd\u4eba\u7684\u4e00\u79cd\uff0c\u9650\u4e8e\u914d\u5076\u4e4b\u95f4\u3002\uff08\u672c\u6587\u4e2dIncome guarantor\u53ef\u4e0eguarantor\u540c\u4e49\u3002\uff09<\/p>\n\n\n\n<p><strong>#<\/strong>&nbsp;<strong>Co-borrower\uff1a<\/strong><\/p>\n\n\n\n<p>\u6307\u7684\u662f\u4e00\u4e2a\u8d37\u6b3e\u91cc\u5927\u4e8e\u4e00\u4e2a\u501f\u8d37\u4eba\u7684\u5176\u4ed6\u501f\u8d37\u4eba\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"01\u95ee-\u505aco-borrower\u548c-guarantor\u7a76\u7adf\u6709\u4ec0\u4e48\u533a\u522b\"><strong>01\u95ee<\/strong>\uff1a<strong>\u505aco-borrower\u548c guarantor\u7a76\u7adf\u6709\u4ec0\u4e48\u533a\u522b\uff1f<\/strong><\/h2>\n\n\n\n<p id=\"what-is-the-differences-between\"><strong>\u534e\u745e<\/strong>\u5148\u4e0a\u6848\u4f8b\u7ed9\u5927\u5bb6\u4e3e\u4f8b\u8bf4\u660e\uff0c\u968f\u540e\u4f1a\u5217\u51fa\u4e24\u8005\u7684<strong>\u76f8\u540c\u70b9\u548c\u4e0d\u540c\u70b9<\/strong>\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\u6848\u4f8b\u91cd\u73b0\">\u6848\u4f8b\u91cd\u73b0<\/h3>\n\n\n\n<p>\u592b\u59bb\uff08\u5047\u8bbe\u4e3aA\u548cB\uff09\u53ea\u6709\u4e00\u4e2a\u4eba\u7684\u540d\u5b57\u5728\u623f\u4ea7\u4e0a\uff0c\u5047\u8bbeA\u6536\u5165\u4e0d\u591f\uff0c\u90a3\u4e48\u53ef\u4ee5\u505a\u6210<strong>\u4e70\u65b9A+\u4e70\u65b9B<\/strong>\u7684\u5f62\u5f0f\u3002<\/p>\n\n\n\n<p>A\u53ef\u4ee5\u662fCo-borrower\uff0c\u4e5f\u53ef\u4ee5\u662fIncome guarantor\u3002\u90a3\u4e48\u5269\u4e0b\u7684B\u5219\u4e3aMain borrower\u3002<\/p>\n\n\n\n<p>\u5047\u8bbe\u8d1f\u503a60\u4e07\uff0cB\u4f5c\u4e3aMain borrower\u507f\u8fd8\u4e0d\u8d77\u3002A\u5982\u679c\u4f5c\u4e3aCo-borrower\u5219\u9700\u8981\u8d1f\u8d23\u8fd9\u4e2a60\u4e07\u7684\u8d37\u6b3e\uff0c\u5373Co-borrower\u53d8\u6210\u4e86<strong>\u7b2c\u4e00\u8d23\u4efb\u4eba<\/strong>\u3002A\u5982\u679c\u4f5c\u4e3aIncome guarantor\uff0c\u94f6\u884c\u4f1a\u5148\u8981\u6c42B\u5904\u7406\u6389\u8fd9\u4e2a\u623f\u5b50\u7684\u552e\u5356\uff0c\u610f\u601d\u662f\u8fd9\u4e2a\u7b2c\u4e00\u8d23\u4efb\u4eba\u4e0d\u662fIncome guarantor\u3002\u5982\u679c\uff0c\u5728\u623f\u5b50\u552e\u5356\u4e4b\u540e\u8fd8\u662f\u8d44\u4e0d\u62b5\u503a\uff0c\u90a3\u5c31\u9700\u8981Income guarantor\u6765\u89e3\u51b3\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"677\" src=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2021\/08\/\u622a\u5c4f2021-08-30-\u4e0b\u53482.21.30-1024x677.png\" alt=\"\" class=\"wp-image-9168\" srcset=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2021\/08\/\u622a\u5c4f2021-08-30-\u4e0b\u53482.21.30-1024x677.png 1024w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2021\/08\/\u622a\u5c4f2021-08-30-\u4e0b\u53482.21.30-300x198.png 300w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption>\u56fe\u6e90\uff1a\u7f51\u7edc<\/figcaption><\/figure>\n\n\n\n<p>\u6240\u4ee5\uff0c\u4ece\u8fd9\u91cc\u6211\u4eec\u4e0d\u96be\u770b\u51fa<strong>\u8d23\u4efb\u7684\u5148\u540e\u987a\u5e8f<\/strong>\u95ee\u9898\u3002\u4f5c\u4e3aCo-borrower\uff0c\u4e00\u65e6Main borrower\u507f\u8fd8\u4e0d\u8d77\u503a\u52a1\uff0c\u94f6\u884c\u4f1a\u5148\u76f4\u63a5\u548cCo-borrower\u8981\u94b1\uff0c\u5982\u679cCo-borrower\u540d\u4e0b\u8fd8\u6709\u522b\u7684\u8d44\u4ea7\uff0c\u5c31\u9700\u8981\u6309\u7167\u5951\u7ea6\u628a\u94b1\u7ed9\u8865\u4e0a\u3002\u4f46\u662f\uff0c\u5982\u679c\u4f5c\u4e3aguarantor\u5c31\u672a\u5fc5\u9700\u8981\u8fd9\u6837\u505a\uff0c\u94f6\u884c\u4f1a\u7ed9guarantor\u66f4\u591a\u7684\u9009\u62e9\u548c\u534f\u5546\u3002\u94f6\u884c\u4e00\u822c\u5148\u8981\u8ddf\u4e3b\u8981\u7533\u8bf7\u4eba\u6c9f\u901a\uff0c\u8be2\u95ee\u4e3b\u8981\u7533\u8bf7\u4eba\u662f\u5426\u9700\u8981\u5356\u623f\u6216\u662f\u4ee5\u522b\u7684\u65b9\u5f0f\u507f\u8fd8\uff0c\u5982\u679c\u4e3b\u8981\u7533\u8bf7\u4eba\u540c\u610f\u5356\u623f\uff0c\u4f46\u6700\u540e\u94b1\u8fd8\u662f\u8fd8\u4e0d\u591f\u7684\u60c5\u51b5\u4e0b\uff0c\u5c31\u9700\u8981guarantor\u6765\u89e3\u51b3\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"894\" height=\"598\" src=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2021\/08\/\u622a\u5c4f2021-08-30-\u4e0b\u53482.22.23.png\" alt=\"\" class=\"wp-image-9169\" srcset=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2021\/08\/\u622a\u5c4f2021-08-30-\u4e0b\u53482.22.23.png 894w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2021\/08\/\u622a\u5c4f2021-08-30-\u4e0b\u53482.22.23-300x201.png 300w\" sizes=\"(max-width: 894px) 100vw, 894px\" \/><figcaption>\u56fe\u6e90\uff1a\u7f51\u7edc<\/figcaption><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"co-borrower\u548c-guarantor\u76f8\u540c\u70b9\"><strong>co-borrower\u548c guarantor\u76f8\u540c\u70b9<\/strong><\/h4>\n\n\n\n<p>\u25cf \u60a8\u662fco-borrower\u6216\u662fguarantor\uff0c<strong>\u60a8\u7684\u8d1f\u503a\u98ce\u9669\u662f\u4e00\u81f4\u7684<\/strong>\uff0c\u65e0\u8bba\u60a8\u540d\u5b57\u662f\u5426\u5728\u623f\u4ea7\u8bc1\u4e0a\uff0c\u6240\u6b20\u503a\u90fd\u662f\u9700\u8981\u8fd8\u7684\u3002<\/p>\n\n\n\n<p>\u25cf \u5bf9\u4e8e\u94f6\u884c\u6765\u8bf4\uff0c\u8fd9\u5bf9\u4e8e\u4e24\u4e2a\u8d37\u6b3e\u4eba\u7684\u8fd8\u6b3e\u8ffd\u8d23\u662f\u4e00\u81f4\u7684\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"co-borrower\u548c-guarantor\u4e0d\u540c\u70b9\"><strong>co-borrower\u548c guarantor\u4e0d\u540c\u70b9<\/strong><\/h4>\n\n\n\n<p>\u25cf\u5982\u679c\u662f\u60a8\u662fco-borrower\uff0c\u5f53Main borrower\u5728\u8fd8\u4e0d\u8d77\u94b1\u7684\u65f6\u5019\uff0cco-borrower\u662f\u9700\u8981\u8d1f\u8d23\u6574\u4e2a\u7684\u8d37\u6b3e\u3002\u800cincome guarantor\u901a\u5e38\u9700\u8981\u8fd8\u5269\u4e0b\u7684\u8d1f\u503a\u3002<\/p>\n\n\n\n<p>\u25cf co-borrower\u548cincome&nbsp;guarantor\u7684\u533a\u522b\u8fd8\u5728\u4e8e:<strong>\u524d\u8005\u662f\u6709\u5171\u540c\u7684\u8fd8\u6b3e\u8d23\u4efb<\/strong>\uff0c\u4e0d\u7ba1\u662f\u54ea\u4e00\u65b9default loan\u4e86\uff0c\u90fd\u662f\u6709\u88ab\u8ffd\u95ee\u8fd8\u6b3e\u7684\u8d23\u4efb\u3002<strong>\u540e\u8005\u6709\u8981\u5e2eMain borrower\u8fd8\u6b3e\u7684\u4e49\u52a1<\/strong>\uff0c\u5f53Main borrower\u4e0d\u51fa\u6b3e\u65f6income guarantor\u8981\u8fd8\u6b3e\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"898\" height=\"642\" src=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2021\/08\/\u622a\u5c4f2021-08-30-\u4e0b\u53482.23.39.png\" alt=\"\" class=\"wp-image-9170\" srcset=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2021\/08\/\u622a\u5c4f2021-08-30-\u4e0b\u53482.23.39.png 898w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2021\/08\/\u622a\u5c4f2021-08-30-\u4e0b\u53482.23.39-300x214.png 300w\" sizes=\"(max-width: 898px) 100vw, 898px\" \/><figcaption>\u56fe\u6e90\uff1a\u7f51\u7edc<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"02\u95ee-\u5728\u8003\u8651\u6210\u4e3aco-borrower\u548cincome-guarantor\u524d-\u662f\u5426\u9700\u8c28\u614e\"><strong>02\u95ee\uff1a\u5728\u8003\u8651\u6210\u4e3aco-borrower\u548cincome guarantor\u524d<\/strong>\uff0c<strong>\u662f\u5426\u9700\u8c28\u614e\uff1f<\/strong><\/h2>\n\n\n\n<p id=\"do-we-need-clearly-consideration\">\u7b54\u6848\u662f\uff1a<strong>\u4e00\u5b9a\u8981\u8c28\u614e\uff01<\/strong><\/p>\n\n\n\n<p><strong>\u534e\u745e<\/strong>\u5148\u7ed9\u5927\u5bb6\u79d1\u666e\u4e0b\uff1a\u5bf9\u4e8e\u94f6\u884c\u6765\u8bf4\uff0c\u4e0d\u7ba1\u60a8\u5728\u4e0d\u5728\u623f\u4ea7title\u4e0a\uff0c\u53ea\u8981\u60a8\u662f\u501f\u6b3e\u4eba\uff0c\u60a8\u6240\u9700\u8981\u627f\u62c5\u7684\u8d23\u4efb\u5c31\u662f<strong>100%<\/strong>\u3002<\/p>\n\n\n\n<p>\u8fd9\u91cc\u6211\u4eec\u5206<strong>\u4e24\u79cd<\/strong>\u60c5\u51b5\uff1a<\/p>\n\n\n\n<p>\u25cf\u5982\u679c\u623f\u4ea7title\u4e0a\u6709\u60a8\u7684\u540d\u5b57\uff0c\u4e0d\u7ba1\u60a8\u7684\u6536\u5165\u7528\u4e0d\u7528\u5f97\u4e0a\uff0c\u60a8\u7684\u540d\u5b57\u5fc5\u987b\u5728\u8d37\u6b3e\u91cc\u3002<\/p>\n\n\n\n<p>\u25cf \u5982\u679c\u623f\u4ea7title\u91cc\u6ca1\u60a8\u5730\u540d\u5b57\uff0c\u60a8\u4f5c\u4e3amarriage\u5173\u7cfb\u6216\u8005\u5b9e\u9645\u5a5a\u59fb\uff08\u4f46\u6ca1\u9886\u8bc1\u7684\uff09\u5e76\u4e14\u80fd\u4e3a\u8d37\u6b3e\u6536\u5165\u505a\u8d21\u732e\u7684\uff0c\u662f\u53ef\u4ee5\u52a0\u5165\u5728\u8d37\u6b3e\u91cc\u7684\uff0c\u6211\u4eec\u4e5f\u79f0\u4e3aincome guarantor\u3002<\/p>\n\n\n\n<p>\u7b2c\u4e8c\u79cd\u60c5\u51b5\u770b\u4f3c\u5bf9\u4e8e\u6210\u4e3aincome guarantor\u540e\u6ca1\u6709\u90a3\u4e48\u5927\u7684\u98ce\u9669\uff0c<strong>\u5176\u5b9e\u5219\u4e0d\u7136<\/strong>\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" 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