In this case, you cannot directly transfer money to your personal account.

Banks and other financial institutions need to conduct risk assessments to determine the borrower's credit status and repayment ability when granting loans. If the loan money is used directly for transfer, the borrower may use the funds for illegal activities or other high-risk investments, resulting in an increase in the bank's risk exposure and the risk of loan default. Therefore, banks stipulate that loan money cannot be used directly for transfers in order to protect their own interests and those of borrowers.