As long as the parents agree, the parents’ house can be used as collateral for loans for their children. \x0d\1. The parents' house is used as a mortgage for the children. The parents are the children's loan guarantors, and the collateral is the parents' house. \x0d\2. The mortgage contract of the mortgage loan must be registered to be legally effective. Therefore, parents must sign the loan mortgage contract with their children in person and go to the relevant departments to register the mortgage. \x0d\3. The children are the lenders and the first repayers, and the parents are the guarantors and the second repayers. \x0d\4. If the parents cannot appear in person, they must also issue a "Letter of Authorization" to the agent. The agent can use the "Letter of Authorization" to handle all relevant procedures on behalf of the parents.