At present, there are two main feasible methods:

First, some banks cannot get credit for consumer loans, which is equivalent to applying for a large credit card. The monthly interest rate is generally between 0.5% and 0.75%, and the handling fee is 2% of the loan amount.

Another method is short-term revolving loan, which is funded by the guarantee company and repaid with the loan. The monthly interest rate is about 0.9%, and the handling fee is generally 5% of the loan amount. After the successful purchase of a house, the bank will repay the second mortgage, or the guarantee intermediary will assist the buyer to apply for consumer loan repayment.