When buying a second-hand house, the landlord asked for full payment. But because of my limited ability and lack of money, how can I apply for a mortgage and let the bank give the landlord the full amount? This needs surgery. You must negotiate with the landlord and then raise the contract price of your house, so that you can borrow more money and pay it back to the bank slowly.

For example, if the house is 700,000 yuan, then you can get the estimated price of the house to 654.38+00,000 yuan, and then go to the bank for a loan with a down payment of 30%. This requires a receipt, and it needs to be operated by itself. The down payment is 300,000 yuan, and the loan is 700,000 yuan. When the landlord gets the money, he will slowly return it to the bank.