What is certain is that it is not illegal!

The essence of the loan is whether the borrower can get the loan, which seems to have little to do with the bank loan officer.

Banks have a complete examination and approval system for obtaining loan contracts. Contract is a necessary procedure, not a necessary condition. The most important thing is the lender's credit standing, income and running water. The contract is just a procedure.

In general loan contracts, there are clauses about the use of funds. When I say third party, I mean to borrow money in the name of others for my own use. At most, it is illegal to use. As for illegal use, I don't think so.

Besides, banks generally don't supervise too much who is using the money. As long as the lender meets the lending conditions and the approval is legal, it doesn't matter who uses it. As long as it is due, the lender will pay back the money.

I think it's not illegal.

thank you