Is it risky to lend money to a loan company with a mortgage? Is there a liar?

However, the possibility of fraud is relatively small, because now it is expected that house prices will rise, so many people will borrow money to buy a house and use leverage to make more money.

The loophole is the depreciation of the house. If the expectation fails, you can get the depreciated house, but you lose the cash flow. Isn't that how the financial crisis in the United States froze the capital market?

Now the real estate bubble is very big, developers will be fine, and speculators will take risks. They think the cost of borrowing is lower than the rising house price. So they borrowed money everywhere, so someone set them up.