This kind of loan has a suitable term when it is approved by the bank and handed over to related party transactions.

Banks are very cautious when approving loans. Banks will examine the relationship between buyers and sellers. If the buyer and seller are found to be relatives and friends, the bank will think that the loan has hedging risk and will not approve it.

Once there were buyers and sellers who didn't know each other at first, but the bank found that the first few digits of their ID numbers were the same during the audit, and their hometown was from the same place, so they refused.

Brothers and sisters can transfer their ownership first and then lend them out in the form of mortgage loans.