Legal analysis: Yes, you can be a subprime lender, and your parents are the main lenders. If the loan is made entirely in the name of the child, the title certificate must be the child's name, as well as the household registration book, identity certificate, marriage certificate, income certificate and bank account. Both married couples need to provide these materials.

Legal basis: Article 15 of the Regulations on the Management of Housing Provident Fund stipulates that if a unit hires employees, it shall go through the deposit registration at the housing provident fund management center within 30 days from the date of employment, and go through the formalities for the establishment or transfer of employee housing provident fund accounts. Where a unit terminates the labor relationship with its employees, it shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center for change registration, and go through the formalities of transferring or sealing the employee housing provident fund account.

Can parents give their children a loan to buy a house? I didn't know until I saw it.

With the development of society, it has become very common for parents to buy houses and loans for their children, because the price of good lots is too expensive for them to afford. As a parent, it is generally to give the down payment to the child first, and then let the child borrow money to buy a house. So can parents give loans to their children when they buy a house? Let's meet today!

Can parents give their children a loan to buy a house?

After parents buy a house, their children can get a loan, but they must meet certain conditions. Details are as follows:

1. Parents need their children as the first lender, and parents as the second lender need to provide ID cards, household registration books, marriage certificates, income certificates, bank accounts, etc. Both parents should provide it.

2. Under normal circumstances, men under 60 and women under 55 can apply for bank loans. Because of the problem of proof of income, children can sign the bank loan information as * * *, and children can not show it on the real estate license.

3. Abide by the law, be honest and trustworthy, and have no illegal acts. At present, there are no criminal cases or civil cases against them.

4. The credit is good, the credit record meets the requirements of the bank, and there is no default in the loan business handled by the bank at present.

5. The loan period for house purchase and the age of the borrower shall not be greater than 70 years.

It is worth noting that whether parents can get loans for their children when buying a house depends on how local policies stipulate. For example, in Shanghai and Shenzhen, the children of the applicant can be the same applicant, and the children can also help their parents repay the loan.

The above is the answer about whether parents can buy a house, hoping to help everyone solve problems in life.

Parents, real estate, children, bank mortgage?

Children can use their parents' property to mortgage loans to banks, but they must get their parents' consent. Even if you can't come back from other places, the owner must come back face to face with the bank, and the other party can entrust notarization, and the latter things can be entrusted to others.

It is ok to use parents' property as a mortgage loan, provided that parents are under 60 years old and have a stable source of income and can apply for a mortgage loan. The bank requires the property owner to sign in person, and the loan period is not long.

Status of mortgaged property:

Housing property rights should be clear, meet the conditions for listing and trading stipulated by the state, and can enter the real estate market for trading without other mortgage; The house age (calculated from the date of completion of the house) shall not exceed 40 years; Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments; The owner of the collateral can be the borrower himself or others. Where other people's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and require the mortgagor and his spouse or other property owners to sign the materials that the lender needs to submit:

The materials that the borrower needs to provide are: ID card and household registration book; Personal income certificate (stamped with the official seal of the unit); Copy of the business license of the unit (with official seal); Marriage certificate; Identity card and household registration book of the borrower's spouse; The original and photocopy of the house ownership certificate and the original house purchase agreement; The notarial certificate of the house owner and the * * * owner agreeing to mortgage and the certificate of loan use. Different types of houses need to prepare different materials, as follows:

First, the existing housing mortgage loan

(1) Real estate mortgage contract (signed by both husband and wife);

(2) the house ownership certificate;

(3) Copy of land use right certificate (original inspection);

(4) A real estate appraisal report issued by a qualified appraisal agency;

(5) Bank loan contract;

(6) proof of husband-wife relationship and copies of ID cards of both parties (original inspection), and the certificate issued by the civil affairs department where the household registration is located for singles.

Second, faster mortgage.

(1) Purchase pre-sale contract;

(2) signing a house purchase loan contract with the bank;

(3) Copy of the house purchase prepayment receipt (original inspection);

(4) A copy of the marriage certificate of husband and wife (original inspection), a certificate issued by the civil affairs department where the household registration is located;

Can I write my parents' names on the real estate license and apply for a loan for my child?

The real estate license is the name of the parents. If children borrow money through this property, they can't borrow money themselves. Only parents can use real estate loans.

Legal basis:

Article 61 of the People's Republic of China (PRC) Urban Real Estate Management Law shall apply to the land administration department of the local people's government at or above the county level for registration, which shall be verified by the land administration department of the local people's government at or above the county level, and the land use right certificate shall be issued by the people's government at the same level. If a house is built on the land for real estate development obtained according to law, it shall apply to the real estate management department of the local people's government at or above the county level for registration with the certificate of land use right, and the real estate management department of the local people's government at or above the county level shall verify and issue the certificate of ownership of the house. When real estate is transferred or changed, it shall apply to the real estate management department of the local people's government at or above the county level for registration of change of real estate, and apply to the land management department of the people's government at the same level for registration of change of land use right on the basis of the changed house ownership certificate. After verification by the land administration department of the people's government at the same level, the land use right certificate shall be replaced or changed by the people's government at the same level. If it is otherwise provided by law, it shall be handled in accordance with the provisions of relevant laws.