Because of the regulations of China Construction Bank, installment funds can only be used for large-scale durable goods consumption, wedding, child care, settlement, tax payment, health and other consumption fields, and cannot be used for house purchase, financial investment and so on.

If CCB finds that the customer has not used the installment funds for the loan purpose selected at the time of application, CCB is likely to recover the money, require the customer to pay it off in one lump sum in advance, and may also collect liquidated damages.

Even if you buy a house with a loan, you must use your own cash to pay the down payment, and you can't use the funds from the loan to pay the down payment. The applied mortgage funds are used to pay the remaining house payment.

If the customer does not use its own funds to pay the down payment, but handles the "down payment loan", once it is discovered by the bank, the bank is likely to suspect that the customer's repayment ability is insufficient, and will refuse to approve the loan for fear of overdue risk after the loan.