A loan to buy a house must pay a certain down payment, which depends on the local housing purchase policy, generally 20-50%, mainly because the lending institution reduces the repayment risk. However, many people can't afford the down payment when buying a house. In principle, mortgage down payment cannot be used for loans, and other types of loans provided by banks clearly stipulate that the loan amount cannot be used for buying a house.

If you can't afford a house with a loan, you'd better not take a loan. After all, the pressure of monthly payment after the loan is still relatively large. If the down payment is a loan or a loan, then the economic pressure of the borrower can be imagined.