1. Children can use their parents' property to mortgage loans to the bank, but they must get their parents' consent. Even if you can't come back from other places, the owner must come back face to face with the bank, and the other party can entrust notarization, and the latter things can be entrusted to others.

2. It is ok to use parents' real estate as mortgage loan, provided that parents are under 60 years old and have a stable source of income, and can apply for mortgage loan. The bank requires the property owner to sign in person, and the loan period is not long.

Legal basis:

Article 9 of the Measures for the Administration of Urban Real Estate Mortgage

If more than two mortgages are set on the same real estate, the mortgagor shall inform the mortgagee of the mortgages already set.

The creditor's rights secured by the mortgagor shall not exceed the value of the mortgaged property.

After the real estate is mortgaged, if the value of the mortgaged real estate is greater than the balance of the secured creditor's rights, it may be mortgaged again, but it shall not exceed the balance.