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According to the law, minors engaged in civil activities should be handled by their legal guardians, so minors cannot apply for loans directly from banks in their own names. But at present, many property buyers are willing to write their children's names on the pre-sale contract (or sales contract) and real estate license, and then apply for loans from the bank. For this reason, the bank requires that (1) the pre-sale contract (or sales contract) must be signed by the minor and his parents (or one of them); (2) The legal guardian of the minor applies for a loan from the bank as a loan applicant; (3) Notarization of the relationship between parents and children, notarization of the property rights of parents and children, and repayment commitment on their behalf. When you sign a house purchase contract and prepare the above-mentioned documents required by the bank, you can apply for a loan from the bank through the loan qualification examination.

To sum up, it is impossible to apply for a loan from the bank simply by buying a house in the name of a minor child. Only when the children's parents (or one of them) and children * * * are buyers can parents (or one of them) apply for loans and mortgage commitments from the bank, notarize the repayment for the children, and bear joint and several liabilities for repayment.