1. It is ok to buy a house with a loan in the name of your friend's father. Because you are a local farmer, your income may not be much. You and your boyfriend can make up for the lack of repayment ability as co-borrower.

2. Agricultural Bank of China and ICBC can handle this kind of housing mortgage loan, and the loan term is calculated according to the minimum age in co-borrower, that is, the loan term+the borrower's age shall not be greater than 65.

3. You and your father (spouse) have been signed by the loan bank on the spot and applied for housing mortgage loan.