Property buyers use their parents' place to buy a house, and the real estate license writes their parents' names. Parents are the main lenders, and their children are their repayment partners, that is, guarantors, who apply for mortgages from banks. However, this kind of relay loan is also limited.

First, there is an age requirement, generally no more than 65 years old. Parents should not be too old, otherwise they will lose their qualifications as lenders.

Second, you can only borrow 50% at most. No matter whether the borrower has a house or not, as long as it is a "relay loan", it is all implemented as an existing house. If parents already have loan records (in other places), the down payment is 70%.

Third, the loan period has nothing to do with the age of parents. The loan term is calculated as follows:

1. Loan term+building age shall not exceed 50 years.

2. The loan term is+* * * The borrower is under 70 years old.

Judging from these two formulas, the loan period and building age are more decisive.

Fourth, not all banks can make "relay loans". I would also like to remind you that due to the great changes in credit policies, at present, not all banks in Hangzhou will undertake the "relay loan" business. Depending on which bank to choose, try to reserve a certain amount of flexible budget space in case the policy may change.