As far as the loan contract itself is concerned, if the preferential treatment is obtained by fraudulent means, the bank can cancel it by legal means and take back the mortgage at any time; Involving three or more mortgage loans, because of the large amount, it may also be suspected of loan fraud, which constitutes criminal responsibility. "It's like fake diplomas, fake divorce certificates and moral costs." It can be seen from the above that it is illegal to cheat a bank loan with a fake divorce certificate, and the circumstances are serious and even constitute a crime. On the one hand, this kind of behavior disturbs social order and encourages improper social atmosphere, on the other hand, it also brings trouble to the work of banks. Therefore, I suggest that everyone who has this idea must be stopped in time, and people around him should be persuaded if they encounter this situation.