Legal analysis: it is possible to buy a house by loan, because it does not limit users to have other types of liabilities. It mainly depends on whether the user has the repayment ability, and then estimates the approximate debt ratio according to the user's debt situation and economic income level, and evaluates whether there is a big risk in the later repayment. The evaluation result will directly affect the final audit. In other words, if the user has a high income level, strong repayment ability and strong willingness to repay, then it is no problem to buy a house with a loan, otherwise it will be affected. You can apply for a mortgage after debt relief, and some credit businesses with relatively small amounts can be settled first. If the user's debt is relatively high, it is suggested to increase the down payment or find a borrower to bear it. Single users can find their parents, and married people can stay with their spouses. After the borrower joins, it is relatively easy to successfully approve the next payment, including finding a guarantor and a guarantee company.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 410 Where the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the mortgagee may agree with the mortgagor to discount the mortgaged property or give priority to compensation with the price of auction or sale of the mortgaged property. If the agreement harms the interests of other creditors, other creditors may request the people's court to cancel the agreement. If the mortgagee and the mortgagor cannot reach an agreement on the way to realize the mortgage, the mortgagee may request the people's court to auction or sell the mortgaged property. Where the mortgaged property is discounted or sold, it shall refer to the market price.
Article 413 After the mortgaged property is discounted, auctioned or sold, the part of the price exceeding the amount of creditor's rights shall be owned by the mortgagor, and the insufficient part shall be paid off by the debtor.