1. It is ok to borrow money to buy a house in the name of a friend's father. Because you are a local farmer, your income may not be much. You and your boyfriend can be the same borrower to make up for the lack of repayment ability.

2. Agricultural Bank of China and Industrial and Commercial Bank of China can handle this kind of housing mortgage loan, and the loan term is calculated by the borrower's minimum age, that is, the loan term+the borrower's age shall not be greater than 65 years old.

3. You and your father (spouse) have been signed by the loan bank on the spot to apply for housing mortgage loan.