That also depends on how much you borrow. If it is a small down payment, it is estimated that there is no chance. For example, if the down payment is 20W and the loan is 20W, the monthly demand for 20 years is close to 1 0,000. The bank certainly doesn't agree, but it may not be necessary for you to borrow it for 30 years, but it is still impossible for your brother to have no work certificate because of the low salary of 1800. Private loans are difficult now, and they are being built everywhere. Most of the money was taken away by developers and customers who bought houses from developers.