Legal analysis: it can be operated, because there are two situations after the loan comes down. One is that the account balance of the institution can be withdrawn to my bank card, and the other is that the money is directly transferred to the bound bank card.

In any case, only my bank card can receive the loan money. If you need to call your immediate family, you can transfer the money to your relatives after the bank card.

In short, loans can't be directly credited to relatives' accounts, but they can be withdrawn first and then transferred. No matter how the money is used, no matter whose account the money is transferred to, the borrower must bear the repayment responsibility.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.