Co-Signer Hack: Approval Fast, Par Risk Kiska? #oolka #creditworthy #cosigner

Low score hai par low interest chahiye? Co-signer/guarantor ke saath possible—kyunki achha credit + stable income lender ka risk kam karte hain. Par dhyaan rahe: joint liability hoti hai. Missed EMI ka impact dono ke credit reports par padta hai.

Is video mein:

Co-signer ka kaam: approval aur rate par kaise help milti hai

Kab consider karein: parents/relative with 800+ score & regular income

Risks: legal obligation, bounce/late fees, credit hit for both

Checklist (before co-signing):

EMI plan clear (koun pay karega, kab tak)

FOIR ~30–40% ke andar rakho

Autopay/NACH on + reminder alerts

Co-signer ko loan statements ka access do

Exit plan (prepayment/balance transfer) decide karo

Kaun avoid kare: unstable income, high existing EMIs, poor repayment discipline

Note: Co-signing best tab hota hai jab naya loan apply kar rahe ho. Existing loans me co-signer add karna har lender allow nahi karta—policy check karo.

Apni situation share karo: score / income / co-signer ready? Comments me likho 👇
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Видео Co-Signer Hack: Approval Fast, Par Risk Kiska? #oolka #creditworthy #cosigner канала Oolka - AI Credit Score LevelUp