Not a malicious transfer of property. Malicious transfer of property refers to the situation of malicious transfer of assets under one's own name in order to avoid the creditor's recourse and legal enforcement because the debtor is unwilling to repay the debt. In this case, you have neither the intention nor the behavior of evading debts, and there is no fact of transferring assets. Is it a malicious transfer of property? Article 11 of the Interim Measures for Personal Loans The application for personal loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.