If you apply for a personal loan at China Merchants Bank, it is currently stipulated that the lender must be 18 years old and the loan age must not exceed 70 years old. If minors need to apply for a loan, they can try to have their parents (or one of them) as the same loan applicant; Whether it can be handled specifically, I suggest you contact the personal loan department of the local outlet for details.

Second, parents buy houses in the name of their children. Can parents get a loan?

Young people can't get loans, but if children are covered with mortgages, it will cost a lot of money to apply for mortgages in the name of their parents. Children have income, parents are guarantors, and children can have proof of income and a certain bank flow. At this time, if parents want to buy a suite in the name of their children, they only need relevant information such as peer traffic, and they can also apply for a loan.

Legal basis: Article 2 of the Measures for the Administration of Personal Housing Loans (hereinafter referred to as loans) refers to loans granted by lenders to borrowers for the purchase of ordinary housing for their own use. When a lender issues a personal housing loan, the borrower must provide a guarantee. When the borrower matures, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall bear joint and several liability for repayment of principal and interest.

Article 5 In the following circumstances:

1. Have permanent residence or valid residence status in cities and towns;

Two, have the ability to repay the loan principal and interest.

Three, with the purchase of housing contracts or agreements;

Four, no housing subsidies to not less than 30% of the total price of the purchased housing as the down payment; If there is a housing subsidy, 30% of the personal commitment is the down payment for the purchase;

Five, there are assets recognized by the lender as collateral or pledge, or witnesses;

6. Other conditions stipulated by the lender.

Third, can 10-year-old children go to mortgage to buy a house?

10 children can't go to mortgage to buy a house.

If you want to buy a house for a child aged 10 and put the property right of the house in the child's name, the bank will not lend money. Only when you buy the house in full can you put the house in the name of a minor. If you have reached the age of 18, but you have not enough repayment ability, at this time, if you put the property in the child's name and get a loan, your parents need to be the guarantor and the repayment party.

4. Can I buy a house with a loan in the name of my child?

1. Can I buy a house with a loan in my child's name? 1. It is ok to buy a house in the name of a child. Minor children can't get loans, but their parents are the same borrower. 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 one of the parents or children is a purchaser, and the parents or one of them applies for a loan from the bank and makes a mortgage commitment, and notarizes the repayment for their children and assumes joint and several repayment responsibilities can they apply for a bank loan. 2. Legal basis: "Several Provisions on Provident Fund Management" Article 15 If employees or their parents or children buy, build, renovate or overhaul their own houses in this city, employees may apply to the Provident Fund Management Center for housing provident fund loans. To apply for housing provident fund loans, the following conditions should be met at the same time: 1, with legal and valid identity documents; The deposit status is normal, the provident fund has been paid in full for more than 6 months and its credit is good; Have a stable income and the ability to repay loans; The purchase of housing should have a legal and effective contract, agreement or house ownership certificate. 2. When purchasing a house, a down payment of not less than 30% of the total price of the house has been paid; Other conditions stipulated by relevant laws, regulations and policies. Second, what are the risks of buying a house in the name of a child? 1. Children may pay more down payment for buying a house independently. When children buy their first home as adults, they will pay 30% down payment according to the policy and enjoy the first preferential mortgage interest rate. If children have no more than two properties with their parents before the introduction of the purchase restriction policy and when they are underage, they can buy a house independently in adulthood. However, according to bank regulations, the interest rate of house loan can enjoy the first suite discount, but the down payment should be 70% according to the standard of the second suite; 2. Children who buy a second family house after marriage can pay property tax; 3. If the child has an accident after marriage, the spouse has the right to inherit the property before marriage. If a child dies after marriage, his spouse, parents and children, as the first heirs, have the right to inherit all the property of the deceased, including the property before marriage. When the child is underage, he and his parents have real estate, and the property under the child's name will also be inherited as an inheritance.