You can't.

Taking Shanghai as an example, the Resolution on Practicing the Spirit of Shanghai Real Estate Regulation and Promoting the Orderly Operation of the Real Estate Financial Market requires commercial banks to control the source of primary repayment, and it is strictly forbidden to evade the regulation policy by means of adult children, (both) parents, ex-husbands, ex-wives or other third parties with repayment responsibilities, and relay loans are stopped.

As for the repayment of loans by parents and children, many bankers told reporters that this is called relay loan in the industry and is not new. Domestic commercial banks have been launched for more than ten years.

Mainly for the sake of reducing their own risks, the bank changed the original project that only one person or both husband and wife could repay the loan into a project that all families could repay the loan.

2. What is a relay loan and what are the application conditions?

First of all, answer directly.

The so-called relay loan to buy a house actually means that the borrower may be older and does not meet the age conditions for bank loans.

Second, the specific analysis

In this case, the borrower can meet the threshold of applying for a loan by adding * * * borrowers.

* * * The borrower must be the owner of the purchased house and have a child relationship with the main lender.

A popular explanation is that the borrower wants to apply for a longer mortgage term, such as 30 years, but the borrower himself has reached 40 years old. According to the bank regulations, the borrower does not meet the age to apply for a loan.

Borrowers can choose their children as their * * * co-borrower, and bear the responsibility of repaying loans with themselves in the future.

Taking Beijing as an example, if you want to apply for a relay loan, you need to provide your children's bank running water and personal credit information in addition to their parents' qualifications for buying a house.

If your parents have retired, you need to provide a copy of your retirement certificate and the pension flow for nearly one year when applying for a loan.

In terms of income proof, the total income of parents and children is not less than 2. 1 times of the monthly payment.

This loan method sounds more convenient and the risks can be controlled.

But in fact, for the real estate market, it may become a means of real estate investment, so most banks are still cautious about relay loans and rarely provide such loans.

You can quickly query in Beijian, get a big data report, find out your overdue records, and classify your online loans, formal and informal, with and without credit information. If you want to pay back the money but don't have enough funds, then negotiate with the online lending platform, give priority to formal credit reporting, and minimize the impact on yourself.

Third, what are the hazards of relay loans?

The so-called "relay loan" refers to the housing loan that the children or parents are the owners of the purchased house, and the parents or children are jointly handled with the borrower as * * *.

The main disadvantage is that there may be parent-child conflicts because of the property rights of the house; After the death of parents, other children, as one of the heirs, may also be caused by the disposal of the estate.

Relay loan will also put the risk on two generations, which will double the risk.

If the main borrower is a parent, once the parents lose the repayment ability, they need to bear the repayment pressure as the children of the same borrower.

The relay loan indirectly aggravated the phenomenon of "real estate speculation" to some extent. Some people already have two or three suites under their names and want to let their parents buy a house through relay loans. In this way, they are "drilling" the "loophole" of the policy of restricting housing and purchasing.

Of course, relay loans are not without advantages. You can appropriately extend the age of the borrower and the loan period. For example, if the parents are older, the loan period may not be long, and the repayment pressure will be great. However, if you find a child to make a relay loan, the loan period can be extended.

3. What is the joint mortgage of parents and children? Is it possible for parents to share it with their children? ...

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