Beijing Relay Loan 2022 regulations:

That is, parents can serve as the main borrower and their children as co-borrowers. As long as the parents are qualified to buy a house in Beijing, the total income of the parents and children It can be no less than 2 times the monthly repayment.

"Relay loan": parents borrow first, and children first borrow.

The so-called "relay loan" refers to buying a house based on the parents' qualifications to buy a house. The parents, as the main borrower, and the children, as the co-borrowers, jointly bear the responsibility of repaying the loan.

If the parents have a house in their name, it will be counted as a second home loan. If there is no house, it will be counted as a first home loan. Retired people need to provide proof of pension, and children can provide proof of income covering twice the monthly payment.