1. If it is a loan to buy a house, the agreement between you has nothing to do with the bank loan. If you take out a loan in your name. In that case, the bank will only look for you, and then you will go to your friend for a lawsuit. If he doesn't pay back the money on time, the bad credit record will be recorded in your name, and it will be difficult for you to borrow money to buy a house or apply for a credit card in the future. 3. Whether it is a loan to buy a house or a full house, helping him buy a house by himself after a loan is the second set, with a down payment of 50% and an interest rate floating 15. In real life, for various reasons, some people buy houses in the name of others, which not only leads to contradictions and disputes, but also brings a lot of troubles and risks.

legal ground

Article 175 of the Criminal Law of People's Republic of China (PRC), whoever borrows credit funds from financial institutions for the purpose of lending, and usures them to others, if the illegal income is relatively large, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also be fined not less than one time but not more than five times the illegal income; If the amount is huge, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years, and shall also be fined not less than one time but not more than five times the illegal income.