Ruling on selling shares in a bank or other entity

A person applied for a mortgage at a bank, but he did not want to work. Then his name appeared, and another person came and bought his name through a sale contract so that the bank would allow the transfer of the property to his name. Is this permissible?
If the bank allows it for the new owner, there is nothing wrong with it.

The questioner: The bank does not allow it until after five years.

The Shaykh: Therefore, he does not sell it to him until after five years, according to the regulations.