You can't. Black households refer to people who have no household registration information, household registration card (resident registration card) and ID card in the national census. Black households can't apply for loans when buying a house. Because both buying a house and getting a loan need personal identity information, and black households lack the necessary identification, so they can't meet the loan conditions. Banks have higher requirements for personal credit information, and usually require borrowers to have good credit records. Black households will be refused loans by banks because they have no credit history. In addition, even if black households have certain economic strength, they cannot provide stable income and property certificates, which is also an important basis for bank loan review. To sum up, black households cannot borrow money to buy a house.