Are minors obliged to fast?
A male under the age of puberty isn`t required to fast, but his guardian should order him to fast if he was able to endure the hardship until being used for fasting in general. And Allah Knows Best.
Does the clipping of nails nullify ablution?
No, it does not, and it is preferable to wash the hands afterwards.
I want to buy a house by having a loan from a bank?
If taking a loan from usrious banks it is impermissible; on the other hand, if this took place through Islamic ones then it is permissible to get the loan, since Allah the Most Exalted Said (What means): "And Allah has made buying lawful and forbidden usury (riba)." And Allah Knows Best.
Are phone conversations between the two sexes permissible if for consultation, and within the limits of good manners?
Such act is impermissible since it renders hearts corrupt, and could lead to forbidden attachment. Allah, The Almighty, Says (What means): "and follow not the footsteps of the devil." [Al-Baqarah/68].