The first step is correct and there is no risk; \x0d\ Step 2, people pay you back 1.8 million, and you also pay the bank loan. The real estate license is your property. How can you say that you didn't get any money? \x0d\ The third card does have this risk, and it often happens that the seller can't get the final payment. You can ask the buyer to write an IOU before the transfer formalities, and promise that the bank will pay the final payment of RMB * * to the seller within several working days (depending on the lending bank). If it is overdue, the buyer will pay the self-raised funds to the seller, otherwise he will voluntarily transfer the house to the seller, so that even if he can't get the money at maturity, there will be at least one IOU. \x0d\ If you apply for a loan at the bank, the bank will let you apply for a card, and leave the card number at the bank. When lending money, the money will be directly transferred to your card and notified to you, without going through the buyer.