The loan should be given to a third party, and the reason why the loan in the bank should be transferred to a third party account is mainly to prevent the loan from being abused.

Bank loans need to be transferred to the account of a third party because the loan must be paid and transferred by a third party, which is the regulation of the banking supervision department. The purpose of lending a mortgage to a third-party account is to prove the use of the loan funds. Housing mortgage depends on the purpose of the loan, and personal consumption is generally buying a house, buying a car and decorating. These are all accounts to the third party, that is, the seller's account. Personal business loans should also be paid to the company account of a third party.