While "relay loan" has become a new option for the elderly to buy houses, it also puts forward a new proposition for the treatment of family relations. Recently, the Beijing Commission of housing and urban rural development announced that certain support policies will be given to elderly families (60 years old and above) in the central urban area who purchase the three pilot projects of pingxifu in Changping District, Fuhuan in Shunyi District and xuedazhuang in Shunyi District and move their household registration to the location of the pilot project. The Beijing Commission of housing and urban rural development has proposed three measures: if the elderly family has no housing and no loans on the way, the down payment rate for ordinary housing in the pilot project is 35%, the down payment rate for non ordinary housing is 40%, and the corresponding preferential interest rate for loans; For the purchase of houses under 140 square meters in the pilot project, the down payment proportion of the first set of houses shall be 35% and the down payment proportion of the second set of houses shall be 60%; Their children can apply for loans as co borrowers. According to the media survey, some banks in Beijing can also do "relay loan" business in other non pilot projects, that is, parents can act as the main borrower and children can act as the co borrower. As long as parents are qualified to buy houses in Beijing, the total income of parents and children is not less than 2 times of the monthly repayment. In fact, in April this year, it was reported that some banks started the "relay loan" in Guangzhou; In June, the provident fund "relay loan" implemented in Zhuhai, Guangdong Province also attracted market attention, which mentioned the implementation of "one person buying a house for the whole family". That is to say, employees in Zhuhai can use the provident fund to help their immediate family members pay the down payment and repay the loan. The "relay loans" launched by these places are slightly different, but their main significance is that eligible people can enjoy the preferential housing loans when purchasing and borrowing, such as higher loan ratio and better housing loan interest rate. From this point of view, "relay loan", as a new thing that can only be handled by both parties on a voluntary basis, provides a new option for people with rigid demand for house purchase and can reduce their financial pressure. It is a good thing. At the same time, for those who already have real estate under their name, the "relay loan" also increases the possibility of investing in real estate through the purchase and loan of their parents. Therefore, under the realistic background that the basic policy of "housing without speculation" has not changed, we need to be vigilant against this trend. Moreover, for this group of people, if the existing housing loans have not been paid off and they start the "relay loan", they will inevitably face higher repayment obligations, and they should act according to their ability. The "relay loan" model is more complicated than the general loan model. When making decisions, the borrower also needs to agree on the rights and obligations in advance to avoid conflicts within the family. After all, the "relay loan" involves at least two generations. As a housing loan, it is a long-term loan, and you can't go back on it. Two generations whose values are inevitably different should communicate well in advance to avoid problems with the progress of the performance cycle. In addition, it is mentioned in the report that the loan term is 90 minus the age of the older parent. For example, if the parent is 65 years old, the loan term is 25 years. Objectively speaking, it is impossible to rule out the possibility that the elderly will die before the loan repayment period expires. At this time, the repayment obligation will fall on the children alone. For families that rely on the monthly income of the elderly to repay loans, it is necessary to