Legal analysis: Although the state does not explicitly prohibit low-income households from buying houses, enjoying low-income households is a subsidy for people. If even the minimum living allowance is to survive, how can we borrow money to buy a house and repay the loan every month? This is a contradiction, banks should also consider the ability to repay loans, and finally consider whether to support loans to buy a house. N Low-income households refer to families whose per capita monthly income is lower than the urban minimum living standard and enjoy the national minimum living allowance. It is not directly related to whether you can buy a house, but since you are a low-income household, you need to issue a proof of income for buying a house loan. How to open it is a problem. If it is low, the bank loan will not pass, but it will be high. It also shows that the per capita monthly income of the family is higher than the minimum living standard, and you may not enjoy the minimum living standard policy in the future. The only possibility is that low-income families will buy affordable housing or affordable housing.

Legal basis: Article 39 of the Interim Measures for Social Assistance stipulates that the housing difficulties and assistance standards shall be determined and announced by the local people's governments at or above the county level according to the economic and social development level and housing price level of their respective administrative regions.

Article 40 of the Interim Measures for Social Assistance stipulates that urban families should apply for housing assistance through township people's governments, sub-district offices or directly to the housing security department of the county-level people's government. After the civil affairs department of the people's government at the county level reviews the family income and property status, and the housing security department of the people's government at the county level reviews and publicizes the family housing status, the housing security department of the people's government at the county level gives priority to the applicants who meet the application conditions. Rural families to apply for housing assistance, in accordance with the relevant provisions of the people's governments at or above the county level.