1. Parents can borrow money to buy a house in the name of their children. It is impossible to apply for a loan from a bank simply by buying a house in the name of a minor child. Only when the children's parents and children are buyers, and the parents apply for a loan from the bank and make a mortgage commitment, notarize the repayment for the children and assume joint and several repayment responsibilities can they apply for a bank loan.

2. Legal basis: Article 61 of People's Republic of China (PRC) Urban Real Estate Management Law.

Whoever obtains the land use right by allocation or allocation shall apply to the land administration department of the local people's government at or above the county level for registration, which shall be verified by the land administration department of the local people's government at or above the county level, and the land use right certificate shall be issued by the people's government at the same level.

If a house is built on the land for real estate development obtained according to law, it shall apply to the real estate management department of the local people's government at or above the county level for registration with the certificate of land use right, and the real estate management department of the local people's government at or above the county level shall verify and issue the certificate of ownership of the house.

When real estate is transferred or changed, it shall apply to the real estate management department of the local people's government at or above the county level for registration of change of real estate, and apply to the land management department of the people's government at the same level for registration of change of land use right on the basis of the changed house ownership certificate. After verification by the land administration department of the people's government at the same level, the land use right certificate shall be replaced or changed by the people's government at the same level.

If it is otherwise provided by law, it shall be handled in accordance with the provisions of relevant laws.

Second, what is the process of handling bank loans?

1. Prepare materials, including loan application, customer ID card, household registration book, income certificate, marital status certificate and other materials;

2. After handling the application and preparing the relevant materials, the customer can go to the bank or the law firm entrusted by the bank to handle the loan application and submit the relevant materials to the bank. After paying various fees, customers need to sign a loan contract with the bank as a legal document binding both parties;

3. Payment review. If it is a housing loan, the law firm entrusted by the bank will first conduct a preliminary review of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit is unqualified, the bank will return the relevant information of the customer and the fees charged;

4. Go through other legal procedures;

5. Bank loans.