1, loan to buy a house. You can consider using commercial loans or provident fund loans to buy real estate. If the down payment ratio is 30%, then 654.38+ million can be used to buy a property with a total price of about 330,000. However, it should be noted that applying for a loan needs to meet the bank's credit information and income requirements.

2. Borrow money from relatives and friends. If you don't want to bear the high interest of the loan, you can borrow from friends and relatives.

3. Buy a property with a lower price. You can consider buying a lower-priced property, such as a house in the suburbs, to meet the basic living needs first, and then change rooms when future conditions permit.

4. Choose properties in non-core areas. Property prices in non-urban areas are usually low, so properties in these areas can be regarded as a transition.

5. Choose a small apartment property. For the case of limited funds, you can consider buying small-sized real estate, such as 30-50 square meters of one bedroom and one living room or two bedrooms and one living room.

6. Consider whether * * * is a property house or an auction house. These properties are usually cheaper and have preferential policies from the government.

7. Use the loan services of non-bank financial institutions. Some institutions provide loan services specifically for down payment of real estate.

8. Pay the down payment by credit card. If the down payment gap is not big, you can consider credit card payment.

9. Sell other assets. If you have other assets (such as stocks, funds, gold, etc. ), you can consider realizing them to raise funds.