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NATIONAL HEALTH FUND EDUCATE GRANT Program 2021/2022 APPLICATION FORM (Please read important information below)The National Health Fund Educate Grant Program provides assistance to students currently.
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Specialization FAQ
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You may not need a guarantor if you can pass a credit check or show proof of income. If you have a poor credit history or low income, a landlord may still rent to you if you can pay some rent in advance.
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A guarantor is a person who will co-sign an apartment lease alongside a tenant, guaranteeing to pay the rent if the tenant fails to do so. The guarantor is usually a parent, family member, or close friend who is willing to be legally responsible for the rental apartment.
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If you're new to renting or you can't provide a reference from a previous landlord, you might be asked to provide a guarantor. This is usually a parent or guardian who agrees to pay any rent arrears on your behalf if you fall behind with payments or are unable to meet your obligations as a tenant.
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The most important difference between a cosigner and a guarantor is that a cosigner is immediately responsible for paying rent, just as the tenant is. A guarantor is only responsible for paying rent when the tenant fails to do so themselves.
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If you do miss rent payments, not only may your guarantor be asked to remit those payments, but their credit score may take a devastating hit depending on how behind you are. You will most likely be hearing from a disgruntled guarantor if their credit takes a dive because of your financial mismanagement.
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If you're renting in London, you'll need to go through credit checks and referencing as part of the rental application process. If you're new to renting or you can't provide a reference from a previous landlord, you might be asked to provide a guarantor.
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A cosigner has more financial responsibility than a guarantor since the cosigner is responsible for rent on day one. The guarantor only steps in if a renter can't make payments. Plus, if a cosigner is a roommate, he or she has to pick up the slack if the other roommates can't make rent.
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Rent guarantors You may need a guarantor if you are a student or young person renting for the first time, or you can't prove that you can pay the rent. This is a person who agrees to pay the rent for you if you do not.
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The risks to the cosigner If the primary borrower fails to make a payment for any reason, the cosigner will be held liable for the missed payments. The lender can sue the cosigner for interest, late fees, and any attorney's fees involved in collection.
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You might need a 'guarantor' so you can rent a place to live. A guarantor is someone who agrees to pay your rent if you don't pay it, for example a parent or close relative. If you don't pay your landlord what you owe them, they can ask your guarantor to pay instead.
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