1. This money is earmarked, so in order to prevent customers from withdrawing it at will, the funds will be frozen and then directly transferred to the designated account. This is the case with many banks' mortgage funds. After the customer signs the contract and completes the relevant formalities, the bank will first release the funds to the customer account. At this time, the funds will be frozen and immediately transferred to the account designated by the developer to ensure that the funds are used for the specified loan purposes. 2. The loan platform for customers to apply for loans is irregular, has not been approved by the CBRC, and does not hold a financial license. In fact, the platform deliberately freezes the loan funds and charges "beheading interest" under the pretext of collecting deposits or unfreezing money. In this case, customers should never pay money to avoid personal money damage. Customers are advised to give up loans and apply for loans from other regular licensed consumer finance institutions again.