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Many good people are caught by surprise when unexpected financial emergencies threaten to cut short their holiday plans.
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Family emergencies, such as unforeseen traveling expenses, accidents involving good friends and relatives, often puts a financial strain on most of us.
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Being a co signer on a loan, for a friend or family member, is a very generous offer. It will likely mean the difference between them being able to qualify for such a loan and not being eligible.
However, the decision of being a co signer should not be made lightly. It is the responsibility of potential co signers to educate themselves about how this situation affects them, especially with regard to their responsibility to the loan, should the borrower default.
Most co signers do not realize that this loan is going to show up on their credit report. Keep in mind that this might affect your ability to get your own loan down the road, as the amount you co signed will be used to calculate your own debt to income ratio.
It can also affect the interest rate you will pay for getting your own loans. If you feel it is a good idea to co sign for a family member, or friend, do so with the understanding that after a set amount of making on time payments the borrower will attempt to redo the loan under their own name only.
The more money you co sign for, the longer you can expect to be a part of that loan.
Since the loan can both positively and negatively impact the credit rating of the co signer, it is important to set the loan up so that you can access the account information. This will allow you to find out what has been paid on the loan and what is still owed.
Make sure the lender will inform you of any late payments or non payment issues with the borrower as soon as they happen. Too often co signers are not aware there was an issue with the loan until it has already impacted their own credit.
While co signing a loan, be aware of how it will affect not only your credit but your relationship as well. Nothing can sour relationships faster than money issues. It is important to look at the circumstances that lead to the individual needing a co signer in the first place.
If it comes down to simple money mismanagement, then you are not doing them or yourself any favors. However, if it is the result of circumstances over which they had no control, you may want to consider it.
To minimize your risk as a co signer, do not make it habit of offering to do so for just anyone. The word will quickly spread like wildfire with more requests heading your direction.
If you feel your own credit and finances can not hold up if the borrower does not repay the loan, then do not co sign. It can be difficult to say no, but it is important to your financial health.
You might consider having the borrower provide your with verification that payments are being made including regular statements or cancelled checks. To further reduce your risk as a co signer, insist the borrower purchase personal insurance that can cover loan payments for a particular amount of time due to unemployment, illness, or death.
Co signing a loan for someone is more than giving up your signature. You will be putting your financial history and credit worthiness on the line for that person. It is important that you carefully review the borrowers need for the money, as well as their spending patterns.
If they owe other people money, or continually live beyond their means, walk away with a clear conscious. If you decide to go forward, make sure you can afford the cost of any missed payments and that the lender is going to keep you informed on the payment status.