Banks may think this is fraud. If you want to transfer your parents' house to your own name, you can go through the formalities of inheritance transfer or gift transfer.

Personal housing mortgage loan conditions:

1, with urban permanent residence or valid residence status;

2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

3, with more than 30% of the total price of the purchased housing self-raised funds, and ensure that it is used to pay the down payment of the purchased housing;

4. Use assets recognized by the bank as collateral or pledge, or use units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;

5. There is a house purchase contract or agreement, and the price of the house purchased is basically in line with the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;

6. Other conditions stipulated by the bank.