You can't borrow money from the bank until the down payment is paid. When a bank lends money, it will check your credit information, income level and bank flow. Under normal circumstances, your monthly repayment cannot exceed half of your monthly income. If your monthly payment exceeds half of your income, you need to add a co-payer, usually your parents, to ensure that you can repay.

3. Because your situation has only been said, there is no specific situation, so it is hard to say whether you can get a loan. You can only give the above suggestions, hoping to help you.