If it is used to buy a house, then, as a student, if you have not paid the housing provident fund, you can only apply for a mortgage loan for commercial housing. However, because you are a student and have no stable income, the bank will not give you a loan (in addition, if it is used for business investment, the student's loan amount is relatively small. Of course, if the investment project has great development prospects or you hold a certain patent, it is another matter, but the interest will certainly not be low.

Borrowing as a teacher to buy a house has a lower interest rate, but it is used for commercial investment, which is the same as ordinary commercial loans.

Doctors are basically like teachers.