Just because the two brothers look alike and the loan is wrong, the bank is still at fault in lending. People look alike, their ID cards are different, their real estate licenses are different, and some people are different. His brother's property is obviously insolvent. The younger brother used his brother's identity and real estate license to defraud the bank mortgage loan. His behavior is not a simple civil contract dispute, but a contract fraud. It is suggested to prosecute through criminal procedure, which will be more conducive to the bank's initiative to recover loans.