Legal analysis: the down payment for buying a house is not enough, and there are several solutions: 1, realizing the securities held by individuals. Realize the wealth management products such as funds, stocks and paper gold that you usually buy, although you may lose some money. 2. Apply for credit loans reasonably. An individual's salary is the amount of credit loan that can be applied for if he works well, which is basically equivalent to five to ten times his monthly income, which is not a small sum. This method is suitable for people with higher income, because after buying a house, not only the mortgage but also the credit loan should be paid, and the pressure of repayment in the later period is relatively high. 3. resell valuables. If you have an old car, a house or other valuables, such as a watch, you can consider reselling it. 4. Apply for "salary loan" For institutions and staff with relatively stable income, you can apply for "salary loan". In addition to institutions and staff, some enterprises also have similar benefits. This part of the loan can be used for personal consumption and house purchase, and the loan period is generally shorter than 3 years. 5, through the policy loan. If you buy commercial insurance, it is also feasible to borrow money through the policy. Moreover, the policies of many insurance companies can be loaned, but there will be certain risks and quota restrictions. Please consult the insurance company for details.

Legal basis: Article 209 of the Civil Code of People's Republic of China (PRC) stipulates that the establishment, alteration, transfer and extinction of the real right of immovable property shall become effective after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law.