1. Parents can only register their children's names on the property ownership certificate when they give their children mortgage to buy a house, and the parents are the repayers.

2. When handling the mortgage loan procedures, the purchaser shall write the children's names in the house purchase contract, and the lender shall write the parents' names in the loan contract.

Third, in this case, the mortgage loan to buy a house, the duration and amount of the loan is determined according to the parents' age and repayment ability.

Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

People's Republic of China (PRC) Commercial Bank Law

Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method.

Commercial bank loans shall be subject to the system of separating loan review from grading approval.

Article 36 When a commercial bank lends money, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.