If your relatives are abroad, you can't get a loan. The loan must be handled in person with a valid certificate. Not if someone else takes it. If the name is different, the bank will not pass the examination. In order to protect their rights and interests, we should take the hukou back and sign an agreement clearly stating when and who borrowed it and what it is for. Once there is a legal problem, I will not take responsibility, and both parties will sign one copy to prevent it before it happens. I hope nothing will happen.