You can write your children’s names when you take out a loan to buy a house. If the child is a minor, then according to regulations, you cannot apply for a loan from the bank simply to buy a house in the name of the minor child. Only when the child's parents (or one party) and the child *** are both home buyers, and the parents (or one party) applies to the bank for a loan and makes a mortgage commitment, and handles the notarization of repaying the child on behalf of the child and assuming joint and several repayment responsibilities, can the property be purchased. Apply for a bank loan. In other words, only the parents, as co-payers, can write the child's name. But if the child is an adult, you can write the child's name directly.

According to the provisions of my country's "Civil Law", only those who are over 18 years old have capacity for civil conduct, and only those with full capacity for civil conduct can apply for loans from banks.

For this reason, the People's Bank of China, in accordance with relevant national laws and regulations: only people who are over 18 years old and not over 65 years old can apply for loans from banks. The age of 65 is comprehensively assessed based on the average life span in Beijing and the highest age of retirees. This is the loan age requirement stipulated by the bank.

In addition, according to legal provisions, minors who engage in civil activities should be handled by their legal guardians on their behalf, so minors cannot directly apply for loans from banks in their own names. But at present, many house buyers are willing to write their children's names on the pre-sale deed (or sales contract) and property ownership certificate, and then apply for a loan from the bank. To this end, the bank requires:

(1) The pre-sale contract (or sales contract) must be signed by the minor and his parents (or one of them)*** together;

< p>(2) The legal guardian of the minor shall submit a loan application to the bank as the loan applicant;

(3) Apply for notarization of the relationship between parents and children and that parents and children have the same property rights and notarization of the commitment to repay the loan.

After you sign the house purchase contract and prepare the above-mentioned documents required by the bank, you can pass the loan qualification review by a lawyer and apply for a loan from the bank.

The benefits of writing the child's name on the property

Adding the child's name on the real estate certificate can save transfer tax. If the parents go bankrupt, it will not affect the house. If the parents divorce, the house will not be divided. Of course, there are also disadvantages: children cannot enjoy the first home purchase preferential policy, and unfortunately the person is gone and the property belongs to the other half. Therefore, everyone is warned to be cautious when adding names.