Loans are personal actions and will not affect parents.

According to Article 1 1 of the Interim Measures for the Administration of Personal Loans issued by the China Banking Regulatory Commission, "an application for personal loans shall meet the following conditions: the borrower's credit status is good and there is no major bad credit record;" It can be seen from this regulation that under the premise that the borrower's personal credit status is good and there is no major bad credit record, as long as other conditions stipulated by the bank are met, the loan can be obtained; In addition, the measures do not prohibit borrowers from making loans when their parents have bad credit records, which means that borrowers will not affect their personal credit status because their parents have bad credit records. Whether parents become illegal bank accounts or not, their children's credit status will not be affected. As long as there is no bad credit record and other loan conditions of the bank are met, you can directly borrow money to buy a house.