According to the description of the situation, parents and children * * * each have a property, and now parents intend to sell their shares to their children, who want to buy their shares by applying for mortgage and hold the property independently.

Generally speaking, children can apply for a mortgage loan to buy their parents' share to pay for the house purchase. However, whether you can successfully apply for a mortgage depends on the following factors:

1. Children's credit status: The bank usually evaluates the applicant's credit record and credit score to decide whether to approve the loan application. If children have a stable income source and a good credit record, then they have a greater chance to apply for a mortgage loan.

2. Value and loanable ratio of the purchased property: Banks usually determine loanable ratio according to the market value of the property. If the value of the property is high and the children meet the requirements of the bank loan policy, they have the opportunity to obtain a higher proportion of loans.

3. Repayment ability: Banks will consider children's income and other debt burdens to assess whether they have repayment ability.

Therefore, it is possible for children to apply for a mortgage to buy their parents' shares, but success depends on personal circumstances and the bank's loan policy. It is recommended that children consult with banks or financial institutions to learn more about their loan conditions and application requirements in order to make a decision.