You can borrow money to buy a house. Our country has a complete law on buying a house by loan, which has clear and detailed provisions on its whole operation process and matters needing attention. Lenders need to provide corresponding ID cards, household registration books, economic proof materials and other documents to apply for loans from banks.

legal ground

Article 5 of the Interim Measures for the Administration of Personal Loans

Lenders should establish an effective whole-process management mechanism for personal loans, formulate loan management systems and operating procedures for each loan type, clarify the corresponding loan objects and scope, implement differentiated risk management, and establish an assessment and accountability mechanism for each operation link of loans.

Article 9

The lender shall establish a reasonable control mechanism of the borrower's income and debt repayment ratio, reasonably determine the loan amount and term in combination with the borrower's income, liabilities, expenses, loan purposes, guarantees and other factors, and control the borrower's repayment amount in each period not to exceed its repayment ability.