It is ok to use it as a mortgage loan, provided that the mortgage purchase is not restricted, and the loan interest rate rises by 10%-20% according to the benchmark interest rate. The loan can not be used for speculative investment, high-risk investment funds or illegal business purposes, and other purposes can be basically normal and legal. Generally, the longest mortgage loan term is 10 year, and the appraised price of the housing market within the inner ring of the loan amount is 70%-80%. 60%-70% inside and outside the Central Road, 60% inside and outside the Central Road and 50%-60% outside the outer ring road. As for the portfolio loan when you buy a house, as long as your conditions are not limited, it is ok, but you will consider your monthly payment ability and deduct it appropriately. Generally speaking, you can provide proof of income that all family members can provide, which will help you get more bank loans.