1. House purchase loans can only involve the property owner. When the parents’ repayment ability cannot meet the bank’s standards, children who meet the conditions can be provided as guarantors or co-borrowers. Cannot act alone as a borrower.

2. If the property has been purchased by the parents and the children want to use the property as a mortgage loan, with the consent of the parents, they can go to the bank to sign a loan contract, with the children as the borrower and the parents as the mortgagor. With *** participation, you can apply for such a loan.