Legal analysis: First, pay the full amount to buy a house: the operation of buying a house with the full amount is relatively simple: first, after parents choose a house, they bring their child's birth certificate or one-child certificate, household registration book, and the seal of the child and guardian, negotiate with the seller on the terms of the contract, sign a commercial housing sales contract, write the child's name in the buyer's column and signature, and sign their own name where the legal representative signs. In this way, an effective house sales contract was established. Second, mortgage loan to buy a house: As a result of applying for a loan from a bank, the bank not only requires the applicant to have full capacity for civil conduct, but also requires the applicant to have a relatively stable occupation and a higher income. Moreover, the child has no income and cannot be a loan applicant. To apply for a housing loan, only the minor's father or mother and other legal representatives can apply together: the father or mother and their children should sign a contract for the sale of commercial housing, and then the father or mother will apply for a loan from the bank as the loan applicant. When a minor buys a house, the loan must be notarized in three ways: guardianship notarization, property share notarization (if buying a house for a child, it can be agreed that the child's property share is 99% and the parent's share can be 1%) and irrevocable joint and several liability commitment notarization. The above notarization is mainly to prove that parents are completely willing to buy a house for their children and ensure that parents can make a mortgage for the bank. After the above procedures are approved, you can lend money to buy a house for your child.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 34 The duty of a guardian is to carry out civil legal acts on behalf of the ward and protect the personal rights, property rights and other legitimate rights and interests of the ward. The right of guardians to perform their guardianship duties according to law is protected by law. If a guardian fails to perform his guardianship duties or infringes upon the lawful rights and interests of the ward, he shall bear legal responsibility. Due to emergencies such as emergencies, the guardian is temporarily unable to perform his guardianship duties and the life of the ward is neglected. The residents' committee, villagers' committee or civil affairs department of the ward's domicile shall arrange necessary temporary living care measures for the ward.

Article 35 A guardian shall perform his guardianship duties in accordance with the principle of being most beneficial to the ward. In addition to safeguarding the interests of the ward, the guardian shall not dispose of the ward's property. When performing guardianship duties, guardians of minors should respect the true wishes of the ward according to the age and intellectual status of the ward when making decisions involving the interests of the ward. When performing guardianship duties, adult guardians should respect the true wishes of the ward to the maximum extent, and guarantee and assist the ward to carry out civil legal acts that are suitable for his intellectual and mental health. The guardian shall not interfere with the affairs that the ward has the ability to handle independently.