Tvoy Raschet

Co-borrower: what it is

A person who takes out a loan together with the main borrower and is liable for the whole debt equally with them. Their income is counted so the bank can approve a larger amount.

In Russian: Созаёмщик·Sozaemshchik

Loans and mortgages Checked by the editorial team Checked: September 2026
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In Russia, Kazakhstan and Belarus

Russia

For a mortgage the co-borrower is often the spouse: banks usually require this if the flat will be jointly owned. For the family mortgage, from 1 February 2026 both spouses must be co-borrowers. A co-borrower can get the property tax deduction if they are also an owner.

Kazakhstan

In Kazakhstan co-borrowers are also brought in mainly for mortgages; their income is counted when the debt burden is calculated.

Sources: Bank of Russia financial literacy website «Финансовая культура» (Financial Culture)

This information is for reference only and does not constitute financial, tax or legal advice. Prepared by our editorial team, last checked: September 2026. Found an error? Write to us.

Related terms

GuarantorA person or company that promises the bank to pay your debt if you stop paying. The guarantor receives no money but is liable for the loan together with you.Debt burden ratio (PDN)The share of your income that goes to payments on all loans and borrowings. For example, if you pay 30,000 ₽ a month with an income of 100,000 ₽, your PDN is 30%.Family mortgageA state-supported mortgage for families with children: the state pays the bank part of the interest. From 1 October 2026 the rate depends on the number of children and the region.Property tax deductionA tax deduction on buying a home (up to 2 million ₽ of costs), on mortgage interest (up to 3 million ₽) and on selling property. It lets you get back NDFL you paid, or avoid tax on a sale.

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