You can borrow money, but the interest is higher. You must have a mortgage, which is much higher than the bank interest. If you have no financial strength, you'd better not borrow money. Why do you want to lend you money and take risks when you think people have no profit? To put it bluntly, it is not profitable if it is not early.

Only on behalf of personal views, don't spray if you don't like it, thank you.