The actual situation is:

Lending bank borrower

The money borrowed by the borrower is actually the money of the lender, not the money of the bank. If the property needs to be mortgaged, it is also mortgaged to the lender, not the bank.

The contract signed in the bank is a three-room entrusted loan contract.

In this business, banks do not bear any risks, but only charge management fees (agency fees), and lenders charge bank interest.