Luo Qiao patted her cousin's hand. "I don't really have a good solution either. Logically speaking, it's not impossible for close brothers to borrow money to buy a house. But your two sisters-in-law are not easy to deal with. Second, borrowing this much money for a down payment—are they keeping their own money stashed away, or do they only have just a little saved up? This needs to be clarified."
If they clearly have money but refuse to spend it and instead borrow from you, then this doesn't make sense. But if they genuinely don't have money and still want to buy a house, even if you lend them money for the down payment, what about the rest of the payments? Will they borrow again from others, or come back to you? You really have to think through this."
Luo Jialin fell into deep thought. What her cousin said made sense. It seemed this was something she and her husband needed to discuss with her in-laws, since this wasn't a trivial matter.