Buying a car, like buying a house, requires a lot of investment. Some people can't pay all the expenses at once, so they choose loans. However, in some cases, car buyers can use their houses as mortgages. This means that they can use their housing rights to get more loans to help them buy cars. This method is called "loan to buy a car and a house".

The advantage of buying a car with a house loan is that car buyers can get more loans without having to obtain additional funds through other channels. In addition, the interest rate of housing loans is usually lower than other types of loans, which means that car buyers can get better interest rates and smaller repayments. You can also choose to repay the loan at your own pace and share the cost for a long time.

However, there are risks and disadvantages in buying a car and using a house loan. If the car buyer can't repay the car loan on time, both the car and the house will be in danger. Even if there is a little breach of contract, the credit history of car buyers will be affected. Compared with other forms of loans, the risk of buying a car and using a house loan is higher. Car buyers must carefully evaluate various factors to determine whether this method is suitable for their purposes.