No, buying a house with an operating loan will have serious consequences. Funds from operating loans are not allowed to flow into the property market. Once detected by the bank, the bank can ask the user to pay off all the operating loans at one time. This will not only increase the repayment pressure of users, but may even lead to overdue. And if the circumstances are serious, banks can sue users in the name of fraudulent loans.

If users lack funds to buy a house, they should apply for personal housing mortgage loans instead of commercial loans, which can only be used for business.

Several loan ways to buy a house by loan:

1. provident fund loan: For residents who have already paid the provident fund, the provident fund loan method is preferred when buying a house, with low loan interest rate and government subsidies. But the loan amount is relatively small.

2. Commercial loans: For lenders with good credit who have not paid the housing provident fund, buying a house with commercial loans is also a solution. Generally, the down payment is not less than 30%, and commercial loans can be up to 70% of the total real estate. However, the loan interest rate is relatively high compared with the provident fund loan.

3. Portfolio loans: provident fund loans that can be issued by the housing provident fund management center. The maximum amount is generally 800- 1.2 million yuan. If the purchase price exceeds this limit. The insufficient part should apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank. The interest rate of portfolio loan is moderate. The loan amount is large. So it is more of a lender's choice.