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In the case of children at the age of 15, as minors, they are not able to buy a property independently.
According to Chinese law, minors need a legal guardian (usually a parent) to buy a house**. If the child has not yet been born, the parents can jointly sign a contract with the developer to purchase the house; If the child has been born but is under the age of 18, the parents can act as the legal ** person and sign the purchase contract with the developer on behalf of the child.
It is important to note that although minors can buy a house, they cannot go through formalities such as loans independently when buying a house. Therefore, when buying a property, the assistance and cooperation of parents or other legal ** persons are required.
In addition, considering the children's future education and growth, a school district house can be prepared for them in advance if conditions permit. This can provide a better environment and resources for children's education to a certain extent. However, it should be noted that the purchase of school district housing should be based on the family's financial ability and actual situation, and should not blindly follow the trend or over-invest.
In short, buying a house when the child is a minor requires a legal person, but in the process of buying a house, you need to pay attention to protecting the interests and future development of the child. At the same time, the purchase of school district housing should be based on the actual situation of the family and avoid excessive investment.
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I can buy it. The child is 15 years old, and if there are conditions, it can be bought and used as a school district house.
You can use it even after high school.
If you have a wedding room, you can't say what will happen in the future, so you can prepare it first.
When the child grows up, study hard, work hard, or choose to settle in **.
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Legal Analysis: A 15-year-old can buy a house.
Legal basis: Administrative Measures for the Sales of Commercial Housing
Article 16 When selling commercial housing, the real estate development enterprise and the buyer shall enter into a written contract for the sale and purchase of commercial housing.
The contract for the sale and purchase of commercial housing shall specify the following main contents:
1) The name or address of the parties.
2) The basic condition of commercial housing;
3) The sales method of commercial housing.
Fourth, the determination of the price of the commodity price bucket and the total price, payment method, payment time;
5) Conditions and date of delivery.
6) Commitment to decoration and equipment standards;
7) Water supply, power supply, heating, gas, communications, roads, greening and other supporting infrastructure and public facilities delivery commitments and related rights and responsibilities.
8) the ownership of public supporting buildings;
9) How to deal with area differences.
10) Handling matters related to property rights registration;
11) Methods of Dispute Resolution.
12) Liability for breach of contract;
13) Other matters agreed by both parties.
Article 17 The sales price of commercial housing shall be negotiated by the parties, unless otherwise provided by the State.
Article 18 The sale of commercial housing may be priced according to the set (unit), or it can be priced according to the building area or construction area within the suite.
The construction area of the commercial building is composed of the building area of the suite and the apportioned common construction area, the part of the building area in the suite is independent property rights, and the part of the shared construction area is the common property rights, and the buyer enjoys the rights and assumes responsibility for it in accordance with the provisions of laws and regulations.
If the price is calculated according to the set (unit) or the construction area in the suite, the construction area and the apportioned common construction area shall be indicated in the contract for the sale and purchase of commercial housing.
Article 19 For the sale of houses priced according to sets (units), the parties may directly agree on the total price in the contract after the on-site investigation of the houses for sale.
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There are two types of situations regarding the purchase of a house. The first situation is to take out a loan to buy a house, and the loan to buy a house cannot be bought in the name of a minor, because when it comes to the issue of housing loans, the bank only lends to people with good credit and the ability to repay, and it depends on whether the person on the house has the ability to repay, because the minor has no work income**, so he cannot take out a loan to buy a house; The second situation is to buy a house in full, at this time it is possible to buy a house in the name of the child, because there is no bank loan involved.
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Is it feasible to buy a house in the name of a minor child? There are pros and cons to be cautious!
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Since the purchase of a house involves a huge amount of subject matter and is a major civil activity, it can only be carried out by the parents of minors. The specific procedure for parents to purchase a house for their minor children can be divided into the following two situations: (1) In the case of a lump sum payment:
Parents and children choose a house, and then bring the child's birth certificate or only child certificate, household registration book, the seal of the child and the guardian, negotiate with the developer on the terms of the contract and sign the "Commercial Housing Sales Contract", and sign the child's name in the buyer's column, and sign their own name in the place where the legal ** person signs. In this way, a valid contract for the sale and purchase of the house is established. (2) In the case of choosing a mortgage loan:
Since applying for a loan from a bank not only requires the applicant to have full civil capacity, but also requires the applicant to have a relatively stable occupation and a high income, it cannot become a loan applicant. Many banks do not handle mortgage applications where the sole owner of the house is a minor, and the application for a housing loan can only be applied for by the minor's father or mother or even parents and other legal ** persons. Both the father or mother and their children should sign the Contract for the Sale and Purchase of Commercial Housing, and then the father or mother should apply to the bank for the loan as the loan applicant.
At the same time, it is also necessary to apply for three notarizations: notarization of guardianship relationship, notarization of real estate share (if you buy a house for your child, the child's share of real estate can be agreed to be 99%, and the parents' share can be agreed to be 1%) and the irrevocable notarization of joint and several liability commitment. The above notarization is mainly to prove that the parents buying a house for their children are voluntary, and that the parents guarantee the mortgage repayment to the bank.
After the above procedures are reviewed, you can take out a loan to buy a house for your child. 4. Parents need to submit materials for the registration of property rights for their children, and the registration of housing ownership of persons with no (limited) civil capacity shall be applied by their parents as guardians, and the identity certificate of guardianship, resident ID card or household registration book of the ward shall be submitted to prove the legal guardianship relationship. Here, it is also necessary to submit the contract for the sale and purchase of commercial housing, the confirmation letter between the buyer and the seller on the house number, the measured area of the house and the settlement of the house price (the off-plan house is required, but the existing house is not required to be submitted), the house registration form, the floor plan of the sub-household, and the special receipt for the special maintenance fund, and the deed tax payment or tax reduction and exemption certificate.
In this way, the property is registered in the child's name.
However, your situation is that neither the parents nor the children are qualified to buy a house in Tianjin, so they cannot buy a house in the name of their children.
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