It is possible for both father and son to apply for a house loan. Generally speaking, parents or spouses can apply for housing loans from banks as borrowers.

Generally, for housing loans, applicants need to meet the following conditions:

1, stable income, able to repay the loan principal and interest.

2. Self-raised funds of more than 30% of the total house price can pay the house down payment.

3. Being able to provide collateral recognized by the lending bank.

4. Be able to provide effective purchase contracts or related agreements.

5. Other necessary conditions required by the lending bank.