In real life, parents put the house property right under the name of minor children. The reasons are as follows: in order to avoid inheritance tax and the related taxes and fees that will be paid repeatedly when the property is transferred to the children in the future, it is purchased directly in the name of the children; In order to avoid debts and transfer property, the property is directly registered in the children's name; Unwilling to reveal wealth, concealing property, and registering real estate in the name of children; When there is a crisis in the relationship between husband and wife, from the perspective of protecting the rights and interests of children, the property is registered in the name of the children; Provide convenience for children to go to school and find jobs, and may move their registered permanent residence after buying a house.

Parents can buy a house in the name of their children.

According to China's General Principles of Civil Law, a citizen's capacity for civil rights begins at birth and ends at death. Therefore, children, regardless of their age and health status, are all people with civil rights and can become the owners of houses according to law.

Buying a house for a minor child requires a parent's agent.

Just because a citizen has the capacity for civil rights does not mean that he has the capacity for civil conduct. In China, citizens' capacity for civil conduct can be divided into three types according to their age, namely,/kloc-persons with full capacity for civil conduct over 8 years old,/kloc-persons with limited capacity for civil conduct over 0 years old and persons without capacity for civil conduct under 0 years old. Only a person with full capacity for civil conduct can carry out civil activities independently. People with limited capacity for civil conduct can only engage in civil activities appropriate to their age and intelligence. A person without or with limited capacity for civil conduct needs his legal representative in other civil activities. Because buying a house involves a huge amount of subject matter, it is a major civil activity and can only be carried out by the parents of minors.

Specific procedures for parents to buy a house for their minor children. Can be divided into the following two situations:

(1) In the case of one-time payment, parents choose a house for their children, then bring the child's birth certificate or one-child certificate, household registration book, and the seal of the child and guardian, negotiate the contract terms with the developer, sign a commercial housing sales contract, write the child's name in the buyer's column and the signature place, and sign his name in the legal representative's signature place. In this way, an effective house sales contract was established.

(2) In the case of choosing a mortgage loan: As applying for a loan from a bank requires not only the applicant to have full capacity for civil conduct, but also a relatively stable occupation and high income, only in this way can the loan risk of the bank be reduced. Moreover, the child has no income and cannot be a loan applicant. Many banks don't accept the mortgage application of minors as the sole property owner, and the application for housing loan can only be made by legal representatives such as the father, mother and even parents of minors. Both the father or mother and the children should sign a contract for the sale of commercial housing, and then the father or mother will apply for a loan from the bank as a loan applicant. At the same time, three notarizations are needed: notarization of guardianship, notarization of real estate share (if you buy a house for your child, you can agree that the child's real estate share is 99% and the parent's share is 1%) and notarization of irrevocable joint and several liability commitment letter. The above notarization is mainly to prove that parents are completely willing to buy a house for their children and ensure that parents can make a mortgage for the bank. After the above procedures are approved, you can lend money to buy a house for your child.