Legal analysis: Housing loan can be used as a parent guarantor. Parents can be guarantors, but if the bank has certain restrictions on the age of parents, the age of the father shall not be higher than 65 years old and the age of the mother shall not be higher than 60 years old.

Legal basis: People's Republic of China (PRC) Commercial Bank Law.

Article 36 When a commercial bank lends money, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

Article 37 A commercial bank shall sign a written contract with the borrower when issuing loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.