Age of minors 1, 0- 18
From an objective point of view, minors can buy a house alone. Because many parents consider the long-term, or in order to avoid the future inheritance tax, or consider the needs of their children to go to school, or consider various factors such as future marital instability, they directly buy investment properties in the name of their children.
Next, I will introduce what is the financing attribute of minor real estate. As a matter of fact, banks will not allow loans to properties where the property owner is only a minor, so they can only choose to buy a house in full, because the property owner is a minor and has no debt repayment ability. Therefore, the property purchased only by minors as property owners will lose its financing attribute, because banks will not make mortgage loans.
If the property owner is a minor and his parents, the parents can provide proof of repayment ability and make a mortgage loan. However, most banks do not accept mortgage loans for purchased properties, mainly because it is impossible to auction the properties of minors due to overdue repayment, and banks refuse to accept mortgage loans for risk control.
When many parents apply for mortgage loans, they find that the real estate license has the disadvantages of minors and want to remove their names. But it is simple to add names, but it is more difficult to remove the names of minors. Because at present, all trading centers do not support minors under 18 to remove their names or change their share of property rights.
2.18-student party under the age of 24
18-24 years old, although he is an adult, but because he is studying at school or entering the society for the first time, his salary is unstable and his expenses are high, the bank dare not lend money to people of this age.
However, people in this age group have weak psychological defense, weak anti-temptation ability, high consumption desire but no stable high-level income support. Many small loan companies and credit card departments of banks are aiming at these students who lack discrimination and credit common sense, inducing them to borrow online and overdraw their credit cards, but failing to fulfill the obligation of reminding them to repay in time, resulting in many people entering the workplace for the first time and housing loans being restricted.
18-24 years old, working for others, the bank will not lend; But if you work for yourself-become an entrepreneur, the bank will seriously consider whether the cash flow and profit of the enterprise can cover the monthly loan. Therefore, if there is a company at home, you can add shares to it or make it a legal person; If there is no company at home, it is necessary to make overall arrangements in advance, formally register the company, and then carry out upstream and downstream distribution contracts and tap water construction.
This paper introduces the pre-loan co-ordination of the 0-24 age group. In the next article, I will introduce how to co-ordinate the pre-loan for the 24-80 age group.