I think this analysis is fraud

I do not think the mortgage business in China is same as in US. Even if the bank take the house, the owner is still on the hook for the remaining mortgage.
Although someone with relationship with bank can just ignore and not paying the mortgage. On contract, they are still responsible.

"只要和银行有点'路子'的人。他们先按揭一套80万的房子，自己出10万首付然后再从银行贷出70万。之后再把这个房子抬高价格到180万出售。这个时候他们的亲戚或者老爸老妈再去买下，也用按揭的方式自己出首付30万再从银行贷出150万。然后就不管了。他们不还贷款怎么办？银行爱收不收"