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glgl | Can you apply for a loan as joint & then one person withdraw? |
What I mean is if my bf applies for example & me as 2nd name on the loan (joint) & then if we break up withdraw my name? so I won't be liable for the loan anymore.
Additional Details
Thanks guys, I get the picture. |
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kelly h
 |
No, you can't withdraw your name. He would have to refinance the loan in his own name. First off, if you break up, chances are he's not going to agree to even do this, second off, he'll have to qualify for the loan. If he doesn't make enough money or have good enough credit, then he won't be able to refinance it and you will be stuck on the loan.It sounds like he can't qualify now without putting you on it, so chances are, that he won't be able to qualify later either.
You sound like you have doubts about doing this loan with him. If you didn't, you wouldn't be asking this question. If you have doubts about it, don't do it. If you break up and he is a jerk, he could leave you stuck paying this loan. If you can't afford to pay it, it could mess up your credit. |
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Rich Z
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If the loan went through you can not withdraw your name. You are a co-signer and if he becomes your ex and fails to pay then you have to pay. You are liable when you signed. |
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Experian Agent.
|
No you are both liable,it is also a contract aswell as a credit agreement |
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meemadee2000
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No, if you want to be off the loan, you have to buy him out or pay off the loan. |
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lifesajoy
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Nope- you will still be liable. Your BF would need to refinance the loan in his own name. That might not fly if your income is why it was approved initially. |
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gccochris
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You would both have to go to the bank and sign off on it.
He would have to accept responsibility for the loan and the Bank would have to approve it. They don't have to let you out of your obligation though. |
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aj1020
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You can't just take your name off the loan - you'd be legally responsible for it, and you used both of your incomes & credit information to apply for it. If it's a car loan for example, and he's going to keep the car if you break up, he'd have to get a loan with just his name and then you could pay off the loan you're both on. |
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tough guy
 |
what |
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sorcergeek
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If he agrees to it. More likely he could duck out of the loan, leaving you responsible for it, and ruining both of your credit. |
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momoftwo
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Yes. Refinance the loan |
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glynworsley@btinternet.com
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unsecured personal loans are normally only done in one persons name... mortgages are different.. |
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big_air_john
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Depends on the loan type - if it is a mortgage then yes it would require a refi, which can cost $1500+. In short, no you can't just remove your name from a loan if the relationship ends. The loan is being granted based on the two of you. If he can't get the loan on his own then he should not take it out. |
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TheMom
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You are still liable, the only way out is to refinance it. |
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curious
 |
I just applied for a home loan with my boyfriend. He told us it would take longer since he has to do them separately. Ours put it in as two separate applications since we weren't married. That way it make's it easier to separate it if one decided to withdraw. Make sure you check with the company that you are working with to make sure it is the same there. |
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