The co-debtor/co-borrower is the person who comes to your aid when you are unable to borrow the amount you need because of your income. 😉

In such cases, to borrow the full amount, you can combine your income with that of your spouse or first-degree relatives. 

This will make them co-payers on the loan taken out. 🙂

❗⠀But it must meet the same conditions and eligibility criteria as you do.

The co-debtor also undertakes to pay the obligations arising from the credit agreement together with the main borrower (i.e. you) if you are unable to do so. 📑

❗⠀If you're thinking of taking a credit:

➤⠀you can calculate your monthly instalments online in the BT credit simulator;

➤⠀and then find out over the phone if you qualify for the desired amount. 😃