Hello, parents can suggest using bank transfer to transfer money directly to their children's repayment account. In the future, the standard of property rights will be determined according to the loan repayment. The above answers are provided by Ronglian Ye Wei. Please refer to them.
Second, the name of the child is written on the real estate license. Can parents borrow a loan?
Legal analysis: Yes. This is also a common form of mortgage loan purchase in China. 1. Parents can only register their children's names on the property ownership certificate when they give their children mortgage to buy a house, and the parents are the repayers. 2. When handling the mortgage loan procedures, the purchaser shall write the children's names in the house purchase contract, and the lender shall write the parents' names in the loan contract. Third, in this case, the mortgage loan to buy a house, the duration and amount of the loan is determined according to the parents' age and repayment ability. Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender. Article 35 of the Law of People's Republic of China (PRC) Commercial Bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval. Article 36 When a commercial bank lends money, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.
3. Child mortgage to buy a house, can parents repay the loan?
Yes!
In view of the diversity and complexity of social phenomena, there are several issues worthy of attention:
1. If the children are unmarried, young people spend a lot of money and are under great economic pressure, and there is no obstacle for parents to help with repayment, just transfer the loan amount to the children's repayment account before the monthly bank deduction date. Repayment beyond the monthly repayment date will be overdue, which will affect credit reporting.
2. If the child is married and the parents help to repay the bank mortgage loan, there will be legal risks. It is suggested to do this in practice, so that children can borrow money from their parents to repay bank loans. For example, it can be seen from the details of bank repayment that the annual repayment is about how much, and these figures are accurate, especially the repayment of equal principal and interest. Parents can agree to help repay the loan for several years, or they can not agree on loan interest. Children and spouses issue IOUs, which indicate when and how much the bank loan will be repaid. In doing so, we not only helped our children, but also safeguarded our own interests.
3. If it is unnecessary for the children to add their parents as co-borrower when signing the loan contract, they should not be regarded as co-borrower. In practice, you can help your child repay the loan, but don't sign the contract as a co-payer, and try not to be the guarantor of the mortgage loan. When children are unmarried, there is no legal risk, because the children they cultivate can be controlled and foreseen; Once the children get married, there are some variables in marriage, and there are also some variables in the economic direction after marriage. If a child encounters an economic trap after marriage, not only is it difficult for the child to protect himself, but parents will also be implicated.
In the case, the son mortgaged before marriage, the parents repaid the loan, and the son got married. In the fifth year after marriage, the two sides filed for divorce because their feelings had indeed broken down. During the mediation process, the property belongs to the woman and her children, but the property is still in a mortgage state. Although the mediation property right belongs to the woman, the property right certificate is still in the name of the man, and the loan is still in the name of the man and his parents. If the woman can't settle all the remaining bank loans temporarily, the property rights and bank liabilities can't be changed temporarily. At this point, all the bad consequences are still on the man and his parents, and the woman gains benefits, but there is no risk constraint. Later, if the woman does not return it, will the man and his parents choose to return it or not? Not bad, extra expenses, I don't know when it will end; If it is not returned, it will affect the credit information of the man and his parents, the house will be auctioned, and the children will have no place to live in the future.
Fourth, when parents buy a house, can their children repay the loan?
This process is very complicated, you don't need to know, even if you know, you can't do fake procedures. The core difficulty is that if you take refuge in multiple houses, you must buy them in your name. However, if you need a mortgage, the bank won't lend it to you because you don't have a fixed income. If you provide your parents with personal income, it will become a non-first suite.
General intermediary can solve this problem and mortgage the house in your name! 2% commission on general income
I hope my answer is helpful to you!