Second, if the last one is just an online signing, once the bank loan is done, it will be troublesome to change its name. The worst plan is to pay off all the bank loans one year later and then change the name, which is equivalent to selling second-hand houses. Unless the last family has just paid the down payment, the online signing has been done, the loan has not been done, or the last family has paid the full amount, otherwise the risk is great and the cycle is very long.