First of all, according to the provisions of China's civil law, only people who have reached the age of 18 have the capacity to act, and only people with full civil capacity can apply for loans from banks. Therefore, the People's Bank of China, according to relevant national laws and regulations, only people over 18 years old but not over 65 years old can apply for loans from this bank. 65 years old is based on the average life expectancy in Beijing and the highest age of retirees, which is the loan age requirement stipulated by the bank. In addition, according to the law, minors engaged in civil activities should be handled by their legal guardians, so minors cannot directly apply for loans 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. Therefore, the bank requires (1) that 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 property rights of parents and children, and repayment commitment on their behalf. When you sign a house purchase contract, prepare the documents required by the above-mentioned bank and pass the lawyer's loan qualification examination, you can apply for a loan from the bank. 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 parents (or one party) of the child and the child * * * are buyers, can the parents (or one party) apply for a loan from the bank and make a mortgage commitment, notarize the repayment for the child and assume joint and several repayment responsibilities, can they apply for a bank loan. Shen Wei da Zheng Guo du lawyer office