This is because banks, financial institutions and lending institutions in many countries have laws and mechanisms to prevent money laundering and fraud. In order to crack down on illegal and criminal acts, these institutions usually restrict the loan use of third-party accounts to protect the legitimate rights and interests of lending institutions and banks and avoid potential risks. In some cases, the lender may ask the borrower to put the loan into a third-party account, but this is often illegal and unwise, because the relationship between the borrower and the third party is not clear and the safety of the lender cannot be guaranteed. In addition, banks and financial institutions can't examine the legality and authenticity of the purpose of loans credited to third-party accounts, which will also increase the risk of loans.

Therefore, it is suggested that the borrower provide clear and accurate relevant information during the loan application process to ensure that the loan funds are used legally, truly and transparently. Under no circumstances shall the loan be credited to a third-party account, otherwise the security and legality of the loan may be affected.