You can't. Minor children can't get loans, but they can if their parents are the same borrower. It is impossible to apply for a loan from a bank simply by buying a house in the name of a minor child. Only when the parents (or one party) of the child and the child * * * are buyers, can the parents (or one party) apply for a loan from the bank and make a mortgage commitment, notarize the repayment for the child and assume joint and several repayment responsibilities, can they apply for a bank loan. It is clearly stipulated in Chinese laws that citizens' capacity for civil conduct can be divided into three types according to their age. One is a person with full capacity for civil conduct over 18, the other is a person with limited capacity for civil conduct over 18, and the third is a person with no capacity for civil conduct under 10.

1. What property can be mortgaged:

1. Houses and other fixed objects on the ground owned by the Mortgagor.

2. Machines, vehicles and other property owned by the mortgagor.

3. State-owned land use rights, houses and other fixed objects on the ground that the mortgagor has the right to dispose of according to law.

4. State-owned machinery, vehicles and other property that the mortgagor has the right to dispose of according to law.

5. The land use right of barren hills, gullies, hills and beaches contracted by the mortgagor according to law and mortgaged with the consent of the employer.

6. Other properties that can be mortgaged according to law.

Second, what property can't be mortgaged?

1, land ownership.

2, arable land, homestead, private plots, private hills and other collectively owned land use rights, but the fifth paragraph of Article 34 and the third paragraph of Article 36, that is, "the land use rights of township (town) and village enterprises shall not be mortgaged separately. Where buildings such as factories of township (town) and village enterprises are mortgaged, the land use right within the occupied area shall be mortgaged at the same time, unless otherwise stipulated.

3, schools, kindergartens, hospitals and other public institutions, social organizations, educational facilities, medical and health facilities and other social welfare facilities.

4. Property whose ownership and use right are unknown or controversial.

5. Property that has been sealed up, detained or supervised according to law.

6. Other properties that may not be mortgaged according to law.

Legal basis:

Article 395 of the Civil Code of People's Republic of China (PRC) The following properties that the debtor or a third party has the right to dispose of may be mortgaged:

(a) buildings and other land attachments;

(2) The right to use construction land;

(3) the right to use the sea area;

(4) Production equipment, raw materials, semi-finished products and products;

(5) Buildings, ships and aircraft under construction;

(6) means of transportation;

(seven) other property not prohibited by laws and administrative regulations.

The mortgagor may mortgage the property listed in the preceding paragraph together.