1, you don't have to pay the seller in full. If the total price is 200,000 yuan, you only need to go to any bank outlet to consult and apply for a second-hand housing loan, and someone will receive you. You can use 6,543,800 yuan as the down payment and the remaining 6,543,800 yuan as the business loan. The formalities need to be done with the seller, and it will take about 1 week to complete all the formalities. The premise is that you have no record of overdue credit cards or malicious arrears of interest. And you have a proper job, and your salary is enough to pay the monthly loan repayment.

If you don't want to use your house as collateral, you should let your uncle go to the bank to make a mortgage loan himself, or go to the outlet for consultation, and someone will receive you. The lending time is about the same. Only about 1 week.

3. I suggest you find joint-stock banks, such as CITIC and China Merchants. Forget the construction of workers and peasants. It is estimated that there is no place for you this time.