Legal analysis: No, because this is not a mortgage loan, and the loan type stipulates that the house must be used as a mortgage loan, which belongs to a mortgage loan. If the owner of the mortgage is different from the lender, the bank will not handle it, but you can apply to add the child as the co-owner. Buying a house by loan refers to the loan business in which the buyer applies for a loan from the bank with the buildings traded in the house as collateral to pay the house purchase price, and then the buyer pays the principal and interest to the bank in installments. The simple and popular understanding of loan is to borrow money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Legal basis: Regulations on the Management of Urban Real Estate Development and Operation

Article 14 The development and construction of real estate development projects shall make overall arrangements for supporting infrastructure, and shall be implemented in accordance with the principle of underground first and above ground.

Fifteenth real estate development enterprises shall carry out project development and construction in accordance with the land use and development period agreed in the land use right transfer contract. If the development period agreed in the transfer contract is 1 year, a land idle fee equivalent to less than 20% of the transfer fee for land use rights may be levied; If the development has not started for two years, the land use right can be recovered free of charge. However, unless the construction is delayed due to force majeure or the actions of the government or relevant government departments or the preliminary work required for development.

Article 16 Real estate projects developed and constructed by real estate development enterprises shall comply with the provisions of relevant laws and regulations, quality and safety standards of construction projects, technical specifications for survey, design and construction of construction projects and contractual agreements. Real estate development enterprises shall be responsible for the quality of the real estate development projects they develop and construct. Survey, design, construction, supervision and other units shall bear corresponding responsibilities in accordance with the provisions of relevant laws and regulations or the provisions of the contract.