Bank policy and procedures for buying a house suggest that you consult a local intermediary. The down payment for the loan is 40% for one suite, 60% for two suites and no loan for three suites. Second-hand housing transfer involves the landlord's property rights, information, taxes and fees, your information and so on. Especially if you want to borrow money, it is more complicated. It is best to consult a specialized second-hand housing agency. It's also good to buy an intermediary fee, if you don't know.