If it is the first house, the down payment is 20-30%. Loans can be provident fund loans or commercial loans. If you haven't graduated and have no income, you can't borrow money to buy a house in your name. You can pay in one lump sum. Buy it with your mother's provident fund. More cost-effective. According to your mother's age, it is estimated that the longest loan period you can apply for is 12 years, but it also depends on whether the sales office and the bank have special care.
The interest of loan 10 is lower than that of 20 years, but the monthly repayment will be higher. If the loan lasts for 20 years, the monthly repayment will be less, but the interest will be more.
It is better to buy and sell directly. You look for an intermediary, and the intermediary will make your money. Personally, I feel uneasy about finding an intermediary.
After all, the house is not used to buy clothes. If it's not good, throw it away. Walk more and choose more.
The loan is handled by the bank. If you buy a new house, the bank and the sales office will make an appointment to handle it centrally. If it's a personal transaction, just go to the bank.