1. Negotiate settlement: communicate with relatives to find out why they are unwilling to lend, whether it is because they are worried about debt pressure and distrust lending institutions, and then make corresponding solutions to the problems. For example, we can provide more information to help them understand the loan process and interest rate, or find more reliable lending institutions and provide more favorable loan schemes.

2. Help: If relatives are unwilling to borrow money due to limited economic conditions, they can consider providing help, such as providing part of the purchase price and providing guarantees to help them buy a house smoothly.