This can be loaned. If you buy a first-hand property from the developer (that is, buy a house directly from the developer), you can apply for a loan from the bank (depending on the approval of the bank and your own credit and repayment ability). Under normal circumstances, as long as the bank checks your personal credit information (that is, whether you have a bad record of borrowing, repayment, credit card or other debts in the bank) and your monthly repayment ability (for example, you need to repay the mortgage to the Agricultural Bank of China every month 1000 yuan, then your monthly income should be at least 2,000 yuan). But the interest rate may be higher than the average mortgage.