If you already have a house in your name, even if you have two houses, if not, even if you have a 1 house, you'd better not take out a loan with your mother, because her age is beyond the acceptable age range of many banks. Generally, even if you can get a loan, you will have high requirements on the repayment period and down payment. It is suggested that you and your spouse * * * jointly use the housing provident fund loan, or unilaterally use the provident fund loan, or the loan model of mixed provident fund and commercial loan.