Being a co-signer for a joint home loan will affect the co-signer credit score because a co-signer holds responsibility equally for the debt of the borrower. A co-signer may face difficulty in borrowing a loan for him or herself in many cases of co-sign home loan. In cases of refinance home loan with co-signer the risk remains the same. If the borrower fails to pay EMI according to the home loan interest rate then the default also affects the co-signer’s credit score.
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