You mean, at present, there are loans in other banks, and now if you want to borrow more money, you must pay off the debts of the previous bank before you can make a mortgage loan in the new bank. If you have no money to pay back, someone else will pay the cost for you. Another situation is that you need money immediately after the bank loan is approved. If someone gives you the money first, you have to spend it.

No matter which of the above situations can help you solve it, it is a common cause.