1. I can't afford the down payment. If the down payment gap is not big, it can be made up in a short time, and the down payment can be paid by credit card. Some commercial banks have relatively high credit card quotas, which can also be divided into stages. If the fixed quota is not enough, the temporary quota can be increased. However, it is suggested to consult the bank first whether it can do this, so as not to be judged as cashing out by the bank.

Second, mortgage loans, credit loans and consumer loans. Not being able to pay the down payment is also a common way, but it applies to short-term loans and small loans because there are two loans to bear. If the repayment period is too long and the amount is too large, the repayment pressure may be even greater.

Third, you can't afford the down payment. For institutions and personnel with relatively stable income, they can apply for "wage loans". 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.