You can't. Under normal circumstances, most people choose mortgage loans to buy a house, that is, pay part of the down payment and the rest through bank loans. You can apply for a mortgage or other kinds of loans first. Then take the loan money as a down payment and then go to the loan. But these are two contracts, not one. In other words, borrow money in other ways first and get the money. Then go to mortgage. The down payment must be paid in cash before you can apply for a loan. As for the source of the down payment, it doesn't matter whether it is a loan, a loan or your own money, but the down payment can't be used for a house loan. You can use other tangible assets to borrow money, so that you can pay the down payment, and the rest can be repaid monthly in the form of loans. These are two contracts, but then you have to face mortgage and down payment, which will make your life very stressful.

Legal objectivity:

"Measures for the Administration of Commercial Housing Sales" Article 18 Commercial housing sales can be priced by suite, or by interior construction area or construction area. The construction area of the Commodity House consists of the interior construction area and the apportioned construction area, with the interior construction area as independent property right and the apportioned construction area as * * * property right, and the buyer shall enjoy the rights and assume the responsibilities according to laws and regulations. If the price is calculated according to the interior construction area or the interior construction area, the construction area and the apportioned construction area shall be indicated in the commercial housing sales contract.