Legal analysis: you can use your father's house as collateral. But these conditions must be met:

1, China citizen aged 18 to 65 years old, with legal and valid identification;

2. Have a proper occupation and stable income, have the ability to repay the loan principal and interest in full on schedule, and have a good credit record.

3. Agree to mortgage the property and its rights and interests in the name of an individual as a condition for loan issuance.

4. It has a legitimate financing purpose.

Legal basis: Article 397 of the Civil Law of People's Republic of China (PRC) is mortgaged by a building, and the right to use the construction land within the occupied area of the building shall be mortgaged together. Where the right to use construction land is mortgaged, the buildings on the land shall be mortgaged together. If the mortgagor fails to mortgage together according to the regulations, the unsecured property shall be regarded as mortgaged together.