The registration of real estate as a child's name is divided into the following two situations:

One is to buy a house in full.

When real estate is registered to buy a house in full, parents can directly fill in the name of the child in the column of property owner, and the child can become the property owner.

If the house is purchased in full, the children and parents will go to the real estate exchange with their ID cards, household registration books, marriage certificates and kinship certificates (parents and children are not in the same household registration book), and the parents will sign the real estate sales contract on their behalf, write the children's names at the buyer's place and sign the parents' names at the entrusted agent's place. After the house is handed over, the property can apply for registration in the name of the child.

The second is to buy a house with a loan.

Minors can also borrow money to buy a house.

Bank real estate loans require applicants to have a stable job and an income that matches their repayment ability. Minor children do not have full capacity for civil conduct and cannot be loan applicants, but they can borrow in the name of their parents.

When real estate is registered, children are not registered as owners alone, but are registered as * * * owners with their parents. When children grow up, their parents' names will be removed from the real estate license by means of gifts, and gifts between relatives will be tax-free according to the latest preferential tax policies.

To sum up, the problem of housing loan for minor children in China is limited to some extent, but it is still possible under special circumstances. However, the specific situation depends on the policies and regulations of banks and regions. It is recommended to consult local lending institutions or lawyers for detailed information before applying for loans. In addition, minor children should follow the relevant tax regulations when inheriting real estate. It is recommended to consult a professional tax lawyer to understand the specific tax regulations and preferential tax policies applicable to personal circumstances. Before transferring property to minor children, parents should fully consider the future interests of minor children and seek professional legal advice.

Legal basis:

Detailed Rules for the Implementation of the Provisional Regulations on the Registration of Real Estate

Article 11

If a person without civil capacity or with limited civil capacity applies for real estate registration, his guardian shall apply for it on his behalf. If the guardian applies for registration on his behalf, he shall provide the ID card or household register of the guardian and the ward, relevant guardianship relations and other materials; Where the disposition of real estate is applied for registration, a written guarantee of the interests of the ward shall also be provided.