You can't. Under normal circumstances, most people choose mortgage loans to buy a house, that is, pay part of the down payment and the rest through bank loans. You can apply for a mortgage or other kinds of loans first. Then take the loan money as a down payment and then go to the loan. But these are two contracts, not one. In other words, borrow money in other ways first and get the money. Then go to mortgage. The down payment must be paid in cash before you can apply for a loan. As for the source of the down payment, it doesn't matter whether it is a loan, a loan or your own money, but the down payment can't be used for a house loan. You can use other tangible assets to borrow money, so that you can pay the down payment, and the rest can be repaid monthly in the form of loans. These are two contracts, but then you have to face mortgage and down payment, which will make your life very stressful.

Legal objectivity:

Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender. Article 12 of the Interim Measures for the Administration of Personal Loans, the lender shall require the borrower to apply for personal loans in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions.