{"id":10164,"date":"2023-10-20T13:13:18","date_gmt":"2023-10-20T13:13:18","guid":{"rendered":"https:\/\/eiendomsfinans.no\/surety\/"},"modified":"2026-07-07T10:02:49","modified_gmt":"2026-07-07T10:02:49","slug":"surety","status":"publish","type":"post","link":"https:\/\/eiendomsfinans.no\/en\/articles\/surety\/","title":{"rendered":"Guarantor"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10164\" class=\"elementor elementor-10164 elementor-7579\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7fc1beb e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"7fc1beb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7b4e1fc1 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"7b4e1fc1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-172d78dc elementor-widget elementor-widget-hfe-breadcrumbs-widget\" data-id=\"172d78dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"hfe-breadcrumbs-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<nav aria-label=\"Breadcrumb\"><ul class=\"hfe-breadcrumbs hfe-breadcrumbs-show-home\"><li class=\"hfe-breadcrumbs-item hfe-breadcrumbs-first\"><span class=\"hfe-breadcrumbs-home-icon\"><\/span><a href=\"https:\/\/eiendomsfinans.no\/en\/\"><span class=\"hfe-breadcrumbs-text\">Home page<\/span><\/a><\/li><\/ul><\/nav>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28bda01 elementor-widget elementor-widget-image\" data-id=\"28bda01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"723\" height=\"409\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/10\/kausjonist_header.webp\" class=\"attachment-large size-large wp-image-22658\" alt=\"\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/10\/kausjonist_header.webp 723w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/10\/kausjonist_header-300x170.webp 300w\" sizes=\"(max-width: 723px) 100vw, 723px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ea51919 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"3ea51919\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b10776a elementor-widget elementor-widget-heading\" data-id=\"3b10776a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">What is a guarantor?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-547564fb elementor-widget elementor-widget-text-editor\" data-id=\"547564fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A guarantor is a term used to describe the person or persons who are liable for the loan. In other words, someone who guarantees that the loan will be paid <br\/>if the borrower fails to make payments. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-729cdba9 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"729cdba9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-11f61001 elementor-widget elementor-widget-heading\" data-id=\"11f61001\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">October 20, 2023<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f78ac11 elementor-widget elementor-widget-image\" data-id=\"2f78ac11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/secure.gravatar.com\/avatar\/9100f7fd13507f144c01d9409265dbd18e1d2ddb01855abfe0c8b09c2597764f?s=96&amp;d=mm&amp;r=g\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d75e057 elementor-widget elementor-widget-heading\" data-id=\"6d75e057\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Christer Aarv\u00e5g<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1f1b3548 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"1f1b3548\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-24cbbd29 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"24cbbd29\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-edc8f54 elementor-widget elementor-widget-heading\" data-id=\"edc8f54\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is the difference between a guarantor and a co-borrower?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4813d126 elementor-widget elementor-widget-text-editor\" data-id=\"4813d126\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A (real) guarantor provides a guarantee for part of the loan.  <br>A co-borrower is liable for the entire loan on an equal footing with the primary borrower.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e42d32d elementor-widget elementor-widget-heading\" data-id=\"e42d32d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is a surety?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3033b61 elementor-widget elementor-widget-text-editor\" data-id=\"3033b61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When you provide collateral in your own home to secure someone else&#8217;s loan or debt, you are called a real estate guarantor.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb4226e elementor-widget elementor-widget-button\" data-id=\"fb4226e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/eiendomsfinans.no\/en\/loan-en\/housing-mortgage\/mortgage-with-guarantor\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-long-arrow-alt-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M313.941 216H12c-6.627 0-12 5.373-12 12v56c0 6.627 5.373 12 12 12h301.941v46.059c0 21.382 25.851 32.09 40.971 16.971l86.059-86.059c9.373-9.373 9.373-24.569 0-33.941l-86.059-86.059c-15.119-15.119-40.971-4.411-40.971 16.971V216z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">READ ABOUT MORTGAGES WITH A GUARANTOR HERE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-51d12184 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"51d12184\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-592e94f elementor-widget elementor-widget-heading\" data-id=\"592e94f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who can serve as a guarantor?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bbcf310 elementor-widget elementor-widget-text-editor\" data-id=\"5bbcf310\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In principle, there are no formal rules governing who can serve as a guarantor. However, it is common for close family members\u2014especially parents\u2014to act as <strong>guarantors<\/strong> for their children\u2019s loans and debts. <br><br><\/p><p>The guarantor\u2019s own debt should not exceed approximately five times their gross annual income, including the debt for which they are acting as guarantor.<\/p><p><br>It is important to understand that acting as a guarantor for someone is a legally binding agreement. The guarantor becomes personally liable to repay part of the loan if the borrower is unable to do so. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b697925 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"b697925\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fba5444 elementor-widget elementor-widget-heading\" data-id=\"fba5444\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">That is why it is important for the guarantor to be aware of what they are committing to:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c82e4aa elementor-widget elementor-widget-text-editor\" data-id=\"c82e4aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>That they have the financial ability to repay the loan should it become necessary. The guarantor must also be confident that the borrower will be able to repay the loan. <\/p><p>A guarantee agreement is a major commitment and can be a source of potential conflicts and disagreements between the guarantor and the borrower. Carefully consider whether you want to enter into a guarantee agreement. Also, make sure you have a clear and unambiguous agreement in place before signing anything.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0408c1d e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"0408c1d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d31cf6 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3d31cf6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e7244f4 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"e7244f4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33fe6fe elementor-widget elementor-widget-heading\" data-id=\"33fe6fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Different types of security:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c34d608 e-grid e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"c34d608\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fd9d66c elementor-widget elementor-widget-heading\" data-id=\"fd9d66c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REAL GUARANTEE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e026a5 elementor-widget elementor-widget-heading\" data-id=\"1e026a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SIMPLE GUARANTEE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-227bc84 elementor-widget elementor-widget-heading\" data-id=\"227bc84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SELF-LIABILITY GUARANTEE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7424af8 elementor-widget elementor-widget-text-editor\" data-id=\"7424af8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A real estate guarantee means that the bank receives additional security in the form of the guarantor\u2019s home. Many older generations have paid off a significant portion of their home and can therefore offer it as collateral. Collateral is a form of security that provides the bank with a guarantee that the loan will be repaid.  <\/p><p>As a mortgage guarantor, you are therefore responsible for the portion of the loan for which you have provided a guarantee. If the primary borrower fails to repay the loan, the bank may require the mortgage guarantor to repay the portion of the loan for which he or she has provided a guarantee. <\/p><p>If the borrower is unable to repay the loan, this can have serious consequences for the co-signer. The guarantor may lose their home if the bank decides to sell it to cover the portion of the loan for which they have guaranteed. Therefore, one should always be cautious and thorough when considering acting as a guarantor.  <\/p><p>Typically, the real estate guarantor guarantees the portion of the loan that exceeds 80\u201390% of the purchase price.<\/p><p>Even if you act as a guarantor, the borrower bears the primary responsibility for repaying the loan. It is important to make sure that the person taking out the loan has sufficient financial resources to repay it, even if the interest rate rises. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f034d30 elementor-widget elementor-widget-text-editor\" data-id=\"f034d30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In the case of a simple guarantee, the guarantor is liable only for the borrower\u2019s inability to pay. The bank cannot demand payment from the guarantor until legal action has been taken against the borrower to establish this. <\/p><p>A simple guarantee is a type of guarantee that banks do not use very often these days. This is because banks want to have sufficient security to ensure repayment of their loans. A simple guarantee does not provide sufficient security. If the borrower is unable to repay the loan, the bank must first take legal action before the guarantor can be held liable for the debt. This can be a long and costly process for the bank.    <\/p><p>A simple guarantee may nevertheless be appropriate in certain cases, such as when one private individual lends money to another private individual. In such cases, a simple guarantee can be a way to provide additional security for the lender. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1ac856 elementor-widget elementor-widget-text-editor\" data-id=\"b1ac856\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A type of guarantee in which the guarantor waives the right to contest claims made by the creditor on behalf of the principal debtor. This means that the guarantor authorizes the creditor to demand repayment from the guarantor without having to go through legal proceedings or seek permission from the guarantor. <\/p><p>A joint and several guarantee is often used in business agreements and loan agreements where the creditor seeks greater security for the repayment of the loan. This is a risky arrangement for the guarantor. It allows the creditor to demand repayment from the guarantor without having to prove that the primary debtor is unable to repay the loan. Carefully assess the risks and consequences before signing such an agreement. It is most commonly used in a business context where, for example, owners or shareholders act as guarantors.    <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-46a97e9 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"46a97e9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f8d0a7a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"f8d0a7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7742d458 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"7742d458\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4132f878 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"4132f878\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-775ee08 elementor-widget elementor-widget-heading\" data-id=\"775ee08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Collateral Guarantor for Loans with Payment Delays<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31033e7f elementor-widget elementor-widget-text-editor\" data-id=\"31033e7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you have debt with payment defaults, you can apply for a <span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/eiendomsfinans.no\/en\/loan-en\/refinancing\/restart-loan\/\">debt relief loan<\/a><\/strong><\/span>.  <\/p><p>This is a special loan that can give you a fresh start by consolidating all your debt into a single loan. You can get this loan even if you have <a href=\"https:\/\/eiendomsfinans.no\/en\/loan-en\/refinancing\/delete-payment-notes\/\"><span style=\"text-decoration: underline;\">payment defaults <\/span><\/a>or debt collection cases, but you must be able to provide real estate as collateral. This can be your own property plus the co-signer\u2019s property, or just the co-signer\u2019s property.  <\/p><p><br>As a real estate guarantor, the guarantor provides a mortgage on their own property as primary or additional collateral for the loan. This can be a good way to get the loan you need, but keep in mind that acting as a guarantor is a major responsibility. The guarantor may be held liable for large sums if the borrower fails to repay the loan.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4ce571d2 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"4ce571d2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c7a1773 elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"7c7a1773\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"910\" height=\"590\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/header_skattemeldingen-e1747395670630.jpg\" class=\"attachment-large size-large wp-image-13772\" alt=\"A boy and a girl are sitting at a table. They are looking at an open laptop and have some papers on the table.\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/header_skattemeldingen-e1747395670630.jpg 910w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/header_skattemeldingen-e1747395670630-300x195.jpg 300w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/header_skattemeldingen-e1747395670630-768x498.jpg 768w\" sizes=\"(max-width: 910px) 100vw, 910px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8557a0d elementor-widget elementor-widget-text-editor\" data-id=\"8557a0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Read about the rights and obligations of a guarantor at <span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/www.finansportalen.no\/andre-valg\/artikler\/dine-rettigheter-og-plikter-som-kausjonist-908802\/\">Finansportalen <\/a><\/strong><\/span> <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4234444a e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"4234444a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-55db0da6 elementor-widget elementor-widget-heading\" data-id=\"55db0da6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Free and fast case management<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57ce56df elementor-widget elementor-widget-text-editor\" data-id=\"57ce56df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>With us, you will be assigned a dedicated advisor who will help you every step of the way. After<br\/>a pleasant conversation with you, we map out your financial situation. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a8b99ec elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7a8b99ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"http:\/\/eiendomsfinans.no\/en\/apply-page\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact us to discuss a surety bond<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1d16d32 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"1d16d32\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13e2aebb elementor-widget elementor-widget-heading\" data-id=\"13e2aebb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">This is what we can help you with<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-408c787e img_hover_animation_img_no_effect readmore-btn-only-text title_position_default title_hover_border_default title-default grid-hover-overlay-type-always tpg-el-box-border-enable tpg-border-bottom-disable elementor-widget elementor-widget-tpg-grid-layout\" data-id=\"408c787e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tpg-grid-layout.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"rt-container-fluid rt-tpg-container tpg-el-main-wrapper clearfix grid-layout1-main \"\n\t\t\t id=\"rt-tpg-container-3135783767\"\n\t\t\t data-layout=\"grid-layout1\"\n\t\t\t data-grid-style=\"tpg-full-height\"\n\t\t\t data-sc-id=\"elementor\"\n\t\t\t data-el-settings=''\n\t\t\t data-el-query=''\n\t\t\t data-el-path=''\n\t\t>\n\t\t\t\t\t\t<div class='tpg-header-wrapper '>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t<div data-title=\"Loading ...\" class=\"rt-row rt-content-loader grid-layout1 grid-behaviour tpg-full-height grid_layout_wrapper\">\n\t\t\t\t<div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 img_no_effect rt-grid-item post-24773 post type-post status-publish format-standard has-post-thumbnail hentry category-articles tag-co-borrower generate-columns tablet-grid-50 mobile-grid-100 grid-parent grid-50\"        data-id=\"24773\">\n    <div class=\"rt-holder tpg-post-holder \">\n        <div class=\"rt-detail rt-el-content-wrapper\">\n\t\t\t<div class=\"rt-img-holder tpg-el-image-wrap has-thumbnail\">\n    <a data-id=\"24773\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/co-borrower\/\" class=\"tpg-post-link\" target=\"_self\"><img loading=\"lazy\" decoding=\"async\" width=\"1300\" height=\"856\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/01\/medlantaker_header.jpg\" class=\"rt-img-responsive wp-post-image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/01\/medlantaker_header.jpg 1300w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/01\/medlantaker_header-300x198.jpg 300w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/01\/medlantaker_header-1024x674.jpg 1024w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/01\/medlantaker_header-768x506.jpg 768w\" sizes=\"auto, (max-width: 1300px) 100vw, 1300px\" \/><\/a><\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"24773\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/co-borrower\/\" class=\"tpg-post-link\" target=\"_self\">Co-borrower<\/a><\/h3><\/div>\n\t\t\t\n\n\t\t\t                <div class=\"tpg-excerpt tpg-el-excerpt\">\n\t\t\t\t\t                        <div class=\"tpg-excerpt-inner\">\n\t\t\t\t\t\t\tWhat is a co-borrower? If you take out a loan with someone else, they are referred to as the                         <\/div>\n\t\t\t\t\t\t\t\t\t\t                <\/div>\n\t\t\t\n\t\t\t\t\t<div class=\"post-footer\">\n\t\t\t<div class=\"post-footer\">\n\t\t\t\t<div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"24773\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/co-borrower\/\" class=\"tpg-post-link\" target=\"_self\">Read the article \u2192<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t        <\/div>\n    <\/div>\n<\/div>\n<div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 img_no_effect rt-grid-item post-18902 post type-post status-publish format-standard has-post-thumbnail hentry category-articles tag-equity-mortgage generate-columns tablet-grid-50 mobile-grid-100 grid-parent grid-50\"        data-id=\"18902\">\n    <div class=\"rt-holder tpg-post-holder \">\n        <div class=\"rt-detail rt-el-content-wrapper\">\n\t\t\t<div class=\"rt-img-holder tpg-el-image-wrap has-thumbnail\">\n    <a data-id=\"18902\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/equity-mortgage\/\" class=\"tpg-post-link\" target=\"_self\"><img loading=\"lazy\" decoding=\"async\" width=\"1108\" height=\"768\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/12\/Tom-Kenneth_Andreas_Jonas_camilla.jpg\" class=\"rt-img-responsive wp-post-image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/12\/Tom-Kenneth_Andreas_Jonas_camilla.jpg 1108w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/12\/Tom-Kenneth_Andreas_Jonas_camilla-300x208.jpg 300w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/12\/Tom-Kenneth_Andreas_Jonas_camilla-1024x710.jpg 1024w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/12\/Tom-Kenneth_Andreas_Jonas_camilla-768x532.jpg 768w\" sizes=\"auto, (max-width: 1108px) 100vw, 1108px\" \/><\/a><\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"18902\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/equity-mortgage\/\" class=\"tpg-post-link\" target=\"_self\">Equity mortgage<\/a><\/h3><\/div>\n\t\t\t\n\n\t\t\t                <div class=\"tpg-excerpt tpg-el-excerpt\">\n\t\t\t\t\t                        <div class=\"tpg-excerpt-inner\">\n\t\t\t\t\t\t\tHow much equity do you need to buy a home? Do you have to have everything in an account, or are                         <\/div>\n\t\t\t\t\t\t\t\t\t\t                <\/div>\n\t\t\t\n\t\t\t\t\t<div class=\"post-footer\">\n\t\t\t<div class=\"post-footer\">\n\t\t\t\t<div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"18902\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/equity-mortgage\/\" class=\"tpg-post-link\" target=\"_self\">Read the article \u2192<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t        <\/div>\n    <\/div>\n<\/div>\n<div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 img_no_effect rt-grid-item post-10160 post type-post status-publish format-standard has-post-thumbnail hentry category-articles tag-pre-qualificationletter generate-columns tablet-grid-50 mobile-grid-100 grid-parent grid-50\"        data-id=\"10160\">\n    <div class=\"rt-holder tpg-post-holder \">\n        <div class=\"rt-detail rt-el-content-wrapper\">\n\t\t\t<div class=\"rt-img-holder tpg-el-image-wrap has-thumbnail\">\n    <a data-id=\"10160\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/proof-of-financing\/\" class=\"tpg-post-link\" target=\"_self\"><img loading=\"lazy\" decoding=\"async\" width=\"1023\" height=\"600\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/10\/header_finansieringsbevis.jpg\" class=\"rt-img-responsive wp-post-image\" alt=\"Boy and girl standing with their backs turned looking at a house at sunset\" loading=\"lazy\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/10\/header_finansieringsbevis.jpg 1023w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/10\/header_finansieringsbevis-300x176.jpg 300w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/10\/header_finansieringsbevis-768x450.jpg 768w\" sizes=\"auto, (max-width: 1023px) 100vw, 1023px\" \/><\/a><\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"10160\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/proof-of-financing\/\" class=\"tpg-post-link\" target=\"_self\">Financing certificate<\/a><\/h3><\/div>\n\t\t\t\n\n\t\t\t                <div class=\"tpg-excerpt tpg-el-excerpt\">\n\t\t\t\t\t                        <div class=\"tpg-excerpt-inner\">\n\t\t\t\t\t\t\tAre you planning to sell your home? If so, it can be beneficial to carry out small and simple                         <\/div>\n\t\t\t\t\t\t\t\t\t\t                <\/div>\n\t\t\t\n\t\t\t\t\t<div class=\"post-footer\">\n\t\t\t<div class=\"post-footer\">\n\t\t\t\t<div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"10160\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/proof-of-financing\/\" class=\"tpg-post-link\" target=\"_self\">Read the article \u2192<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t        <\/div>\n    <\/div>\n<\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-632a8bca elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"632a8bca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5fb54437 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"5fb54437\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bb3729a elementor-widget elementor-widget-html\" data-id=\"bb3729a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script src='https:\/\/online4.superoffice.com\/Cust30170\/CS\/scripts\/customer.fcgi?action=form&id=F-eC7gSjnU' defer><\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24b4fb9a elementor-widget elementor-widget-image\" data-id=\"24b4fb9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"480\" height=\"341\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2025\/04\/image-29.png-3-4.png\" class=\"attachment-full size-full wp-image-20147\" alt=\"\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2025\/04\/image-29.png-3-4.png 480w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2025\/04\/image-29.png-3-4-300x213.png 300w\" sizes=\"(max-width: 480px) 100vw, 480px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>What is a guarantor? What types of guarantees are there? What is the difference between a guarantor and a co-borrower? \u2014 Here are the answers   <\/p>\n","protected":false},"author":3,"featured_media":14344,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[166],"tags":[208],"class_list":["post-10164","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","tag-surety","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50"],"acf":{"superoffice_client":"","superoffice_token":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Guarantor \u2013 Meaning and Responsibilities | Real Estate Finance<\/title>\n<meta name=\"description\" content=\"A guarantor is someone who guarantees that the loan will be repaid if the borrower is unable to do so. 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