Yes. It is generally difficult to detect a fake divorce when buying a house with a loan, but there is a possibility of being detected. Once the fake divorce is confirmed, the housing registration agency and the loan bank where the real estate is located will cancel the discount for the second home of the house buyer and give a certain amount of money. Financial penalties. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts.