The requirements for playing the heists are plastered all over the internet:

* Need a high-end apartment with a planning board
* Need to be level 12

However, [some places](http://www.digitaltrends.com/gaming/gta-online-heists-guide/) says you need to be level 12 to *host* the heist where as [other places](https://support.rockstargames.com/hc/en-us/articles/204997567--3-10-15-GTAV-Title-Update-1-21-PS3-Xbox-360-1-07-PS4-Xbox-One-) says that heists unlock at level 12.

What is correct?

A level 6 (example), can he join a heist, provided that someone else that meets the requirements hosts it? Or does everybody need to be level 12 (or higher) and have a high-end apartment?