You can't. According to the provisions of the Civil Law of People's Republic of China (PRC), one of the basic conditions for buying a house is a good personal credit, and an illegal Alipay account will lead to a bad personal credit, so it is impossible to borrow money to buy a house. Alipay (China) Network Technology Co., Ltd., established in 2004, is a domestic third-party payment platform, and is committed to providing "simple, safe, fast and convenient" payment solutions for enterprises and individuals.