1. Although minor children can buy a house alone, they do not have full capacity for civil conduct and the ability to repay debts. Therefore, minors can't generally get bank loans when buying a house;
2. If the title certificate is handled in the name of parents and minors, the bank applying for a loan will generally require parents to be repayers.
Conditions for applying for a loan:
1, with legal and valid residence status;
2. There is a contract or agreement to purchase the store;
3. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;
4. There is a down payment of not less than 50% of the total price of the purchased store;
5. Agree to use the purchased shops as collateral or provide assets recognized by the loan bank as collateral or pledge, or units or individuals with guarantee qualification and sufficient compensation capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities.
To sum up, it is impossible to make a bank loan in the name of a child.
Legal basis:
Article 387 of the Civil Code of People's Republic of China (PRC)
Where a creditor needs security in order to ensure the realization of his creditor's rights in civil activities such as lending, buying and selling, he may establish a security interest in accordance with the provisions of this Law and other laws.
Article 392
If the secured creditor's right is secured by both things and other things, if the debtor fails to perform the due debt or the parties agree to realize the security right, the creditor shall realize the creditor's right in accordance with the agreement; If there is no agreement or the agreement is unclear, and the debtor provides the security of the property himself, the creditor shall give priority to the realization of the creditor's right with respect to the security of the property; Where a third party provides a property guarantee, the creditor may realize the creditor's right with respect to the property guarantee, or may require the guarantor to assume the guarantee responsibility. The third party providing the guarantee shall have the right to recover from the debtor after assuming the guarantee responsibility.