Both developers and lenders are suspected of fraud. It's not safe to lend money to developers, but it's risky. If the real estate situation is not good and the real estate business is difficult, you can help the developer with a loan or make a loan guarantee. If the developer does not operate, or the developer does not repay the loan, the borrower will make a loan guarantee. If the developer doesn't operate, or the developer doesn't pay the principal and interest of the loan, you can't repay the loan on time, and the bank will pursue or even sue. At that time, you will not only lose your money, but even be blacklisted by Lao Lai. If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined. If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated.