Buy a house loan to buy a house and freeze the down payment?

Suppose you sell a 300,000 house and the buyer pays you a down payment of 200,000. You need to deposit the 200,000 yuan paid by the buyer into your bank account in your name (called the buyer's down payment). After the bank loan is approved, you can pay the other 654.38+10,000 yuan to your card (your 200,000 card). This is not what you call a frozen card, but what the bank loan process needs. After payment, you collect your house payment, and the buyer pays back the bank money every month.