1, local bank decoration loan (no real decoration, cash available), as long as the mortgaged house can be done, generally ICBC, CCB, ABC and BOC have it;

2. Other mortgage loans can be learned locally, and the interest is slightly higher than that of decoration loans;

3. Find a familiar and trustworthy person (such as a close relative) to make a second-hand house transaction transfer mortgage (you have an agreement, transfer it to him, borrow money to buy a second-hand house in his name, you still live in the house, pay the mortgage, when and under what conditions the house will be transferred back, etc. ), which is equivalent to borrowing more mortgages, but the cycle is relatively long (almost three months before and after), and you need to bear the middle taxes and fees.

I hope this helps.