First of all, you are a collective hukou in Shanghai, so you are a local hukou, so buying a house is very simple.

I'm in graduate school now, and I must be over 18 years old.

The only thing you have to do now is to find a company to issue proof of income for you.

There are no other special requirements for buying a house with a local hukou in Shanghai. When borrowing money, parents can be repayment partners.

Now, according to the regulations of the bank, the main lender must have income, so you need an income certificate.

1L said that it is simply not feasible to let parents borrow money. Your parents are not registered in Shanghai, do not work in Shanghai, and are not even qualified to buy a house. How do they get loans?

So now you only need to prepare your family's ID card, household registration book, single certificate, income certificate, parents' bank account, and you can buy a house with enough down payment (basically, you can ask your real estate consultant for specific questions).