I want to borrow 500 thousand commercial loans to buy a house, but my income is only 2400. According to the regulations, I may only be able to borrow more than 200,000 yuan, but my parents still have one. I can lend you 500,000 yuan. Here's what I should do:

1. The down payment ratio of newly purchased houses should reach 20-30%, depending on the housing area.

2. The property right of the house can be registered in your name. You are the borrower and your parents are the same borrower. You can calculate the repayment ability by adding up their income.

3. Your parents should provide a bank card running account for at least three months.

4. Housing rental income cannot account for more than half of the total income.