If the loan purpose meets the requirements of the bank, it can be handled and used for personal consumption loans. There is no problem in building a house. Of course, after the property is built, the principal and interest of the loan can be repaid by rent.

However, you must provide full loan collateral before the loan. At present, banks do not accept pure land as collateral, even if there are attachments on the ground (no title certificate); If you have no collateral, you'd better wait until you build a house before you go to the bank for a loan. If you lease collateral, you need to sign a tenant agreement. The bank will tell you the details of the agreement without going into details.