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Is it mandatory to have a co-borrower? If yes, who can be a co-borrower?

It is optional to have a co-borrower. Having a co-borrower with regular income increases the chance of getting approval, especially for applicants with low income or below average credit. A co-borrower can be a spouse, siblings or parents. A friend, an organization or a company is ineligible to be a co-borrower.

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