Legal analysis: you need to get the consent of the property owner, otherwise you can't apply for mortgage. According to the housing mortgage loan policy, if the borrower has no real estate under his name, he can apply for a loan with the real estate under someone else's name as collateral, but he needs to obtain the consent of the owner of the house and issue a letter of commitment to agree to the mortgage, otherwise the mortgage will be invalid. Therefore, as long as parents agree to apply for a loan with their own property as collateral, they can apply.

Legal basis: Article 395 of the Civil Code of People's Republic of China (PRC). The following properties that the debtor or a third party has the right to dispose of may be mortgaged:

(a) buildings and other land attachments;

(2) The right to use construction land;

(3) the right to use the sea area;

(4) Production equipment, raw materials, semi-finished products and products;

(5) Buildings, ships and aircraft under construction;

(6) means of transportation;

(seven) other property not prohibited by laws and administrative regulations.

The mortgagor may mortgage the property listed in the preceding paragraph together.