Legal analysis: you can't write the names of underage children when you buy a house with a loan. The object of bank loans is a natural person with full capacity for civil conduct. Although minor children can buy a house alone, they do not have full capacity for civil conduct and the ability to repay debts.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 17 A natural person who has reached the age of 18 is an adult. A natural person under the age of eighteen is a minor.

Article 18 adult are persons with full capacity for civil conduct and can independently carry out civil juristic act. /kloc-Minors over 0/6 years old whose main source of livelihood is their own labor income are regarded as persons with full capacity for civil conduct.

Article 20 Minors under the age of eight are persons without capacity for civil conduct, and their legal representatives shall act as agents to carry out civil legal acts.