Strictly speaking, if you get a loan from a rural credit cooperative, it may be difficult to pass if you pay a down payment and mortgage it in another bank. The general management of rural credit cooperatives is not so strict. If you can apply for a consumer loan or a loan without a specific purpose, you are half the battle.

CCB won't care where your down payment comes from, but it will check your credit report and refuse to lend if you are over-indebted. Therefore, in order to ensure success, you'd better make a mortgage loan as soon as possible after borrowing from the rural credit cooperatives.

Try it, but there are many difficulties. If you can really do it, can you let me know?