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For example, let's say an individual takes out a $300,000 mortgage from the bank, and the loan agreement stipulates that the interest price on the loan is 15% annually. When you apply for a loan, lenders take into consideration elements like credit score, revenue, age, and job stability, among other folks. This extra debt can be treated as your debt load, even if someone else is paying it. If you co-sign for a sibling's mortgage this might show up on your loan and prevent you from refinancing or obtaining other loans.
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