Legal analysis: Natural persons aged 18 can borrow money to buy a house. People with limited capacity for civil conduct can independently carry out corresponding civil legal acts; A person with full capacity for civil conduct can independently carry out all civil legal acts that conform to the law. Buying a house by loan is a civil legal act. A natural person who has reached the age of 18 is a person with full capacity for civil conduct and can buy a house by loan.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 17 A natural person who has reached the age of 18 is an adult. A natural person under the age of eighteen is a minor.

Article 18 adult are persons with full capacity for civil conduct and can independently carry out civil juristic act.