Legal analysis: 1, not with parents' income as guarantee, but with parents as assistance or * * * with repayment. If the lender is under the age of 18, then his parents can be used as auxiliary borrowers. The purchaser in the house purchase contract is a minor child, the lender is his parents, and the loan is repaid by his parents on schedule. 2. If the lender has reached the age of 18 and has a certain income source, but the income is not enough to meet the requirements of the bank mortgage loan to buy a house, you can apply for your parents as co-repayers. Both the purchaser and the lender in the house purchase contract are children, and the loan is repaid by the children and their parents on schedule.

Legal basis: Article 388 of the Civil Code of People's Republic of China (PRC) establishes a security interest, and a security contract shall be concluded in accordance with this law and other laws. Guarantee contracts include mortgage contracts, pledge contracts and other contracts with guarantee functions. The guarantee contract is a subsidiary contract of the main creditor's rights and debts contract. If the principal creditor's rights and debts contract is invalid, the guarantee contract is invalid, unless otherwise stipulated by law. If the debtor, guarantor and creditor are at fault after the guaranty contract is confirmed to be invalid, they shall bear corresponding civil liabilities according to their faults.