The possible adverse consequences of lending in your name are: if the other party fails to pay back the money, the court auctions the house, which is not enough to pay off the debt, and you have to pay it back; It is ok to sell the house directly, but generally, the bank will release the mortgage before paying off the bank debt, otherwise the house cannot be transferred to others. You can ask them to write you an iou, then return it to them until they pay it off, and then go to the bank to delete the relevant files, so there is no problem. But the point is, can they afford to pay back the money for free? No money, it's no use having an iou. You have to bear the final debt.
Legal objectivity:
Article 193rd of the Criminal Law of People's Republic of China (PRC) commits one of the following acts. Whoever defrauds a bank or other financial institution of loans for the purpose of illegal possession, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) fabricating false reasons such as introducing funds and projects; (two) the use of false economic contracts; (3) using false documents; (four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral; (5) obtaining loans by other means.