Legal analysis: It is allowed to write the names of father and son on the real estate certificate, and the bank also agrees that the loan can be granted.

When purchasing a house, you need to sign a house purchase contract in the name of the father and son. As long as the contract has the names of the father and son, then the real estate certificate is jointly owned by the father and son. The owner of the real estate is disclosed to the outside world, mainly based on the registration on the real estate certificate. If the name is added, it means that the owner owns the real estate.

During the application process, the father and son need to present their respective ID cards, household registers, and proof of marital status. If the son is a minor, the son's birth medical certificate is required, signed by the guardian parent on his behalf.

The real estate certificate is a written proof of the ownership of a specific house, and can record the status of the specific house and whether there is a security interest.

Legal basis: "Measures for the Administration of Commercial Housing Sales"

Article 2 The sales and management of commercial housing sales shall comply with these Measures.

Article 3 Sales of commercial housing include current sales of commercial housing and pre-sale of commercial housing. The term "sale of commercial houses on the spot" as mentioned in these Measures refers to the behavior of real estate development enterprises selling commercial houses that have passed the completion inspection and acceptance to the buyer, and the buyer pays the house price. The term “pre-sale of commercial housing” as mentioned in these Measures refers to the behavior in which a real estate development enterprise sells commercial housing under construction to a buyer in advance, and the buyer pays a deposit or house price.