1. Default risk: If the bank detects the operation of high evaluation and high loan, it will require the lender to bear the liability for breach of contract alone, so that the seller will not only be unable to receive the remaining house payment in time, but also face the risk of being unable to recover the deposit and down payment already collected.

2. Risk of rights protection: If the developer wants to sign a higher-priced contract because of rising house prices, then the borrower will face the risk of being unable to protect rights because the previously signed contract violates the national credit policy, so that the seller will fall into contract disputes and even bear legal responsibilities.