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Financial #코사인 #Co-sign #자동차 #보증

❓ 미국에서 'Co-sign(코사인)'과 'Co-buyer'의 명확한 차이

73 Views Recommend 2026.06.26

많은 분들이 단순 신용 보증 정도로 착각하지만, 미국에서 Co-sign은 법적으로 주채무자와 100% 동일한 연대 책임을 가집니다. 주채무자가 돈을 안 갚으면 리스사나 은행은 코사인 보증인에게 먼저 빚 독촉 및 자산 린(Lien)을 제기할 수 있습니다.

피치 못할 사정으로 서명해야 한다면 보증 한도액(Cap limit)을 반드시 설정하셔야 안전합니다.
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